Clinton, NY · Charter 5579
NCUA · 5 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.22% | 0.82% | 1.01% | 1.13% | 1.23% | 0.90% | 1.36% | 1.35% | +22 bps | |
| Return on Equity | 12.67% | 8.76% | 11.19% | 12.40% | 13.19% | 9.88% | 14.84% | 14.39% | +198 bps | |
| Net Interest Margin | 3.03% | 2.79% | 2.98% | 3.06% | 3.09% | 2.86% | 3.19% | 3.25% | +19 bps | |
| Efficiency Ratio | 69.90% | 77.36% | 73.49% | 71.70% | 69.79% | 76.09% | 65.87% | 66.95% | -474 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.31% | 8.88% | 12.97% | 12.57% | 13.50% | 13.79% | 10.69% | 8.73% | -384 bps | |
| Loan Growth (YoY) | -0.98% | -0.54% | 0.18% | 1.99% | 1.95% | 2.20% | 3.56% | 1.46% | -53 bps | |
| Share Growth (YoY) | 6.02% | 9.08% | 12.48% | 12.16% | 13.38% | 13.62% | 10.60% | 8.24% | -392 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.70% | 0.59% | 0.52% | 0.39% | 0.44% | 0.29% | 0.65% | 0.89% | +50 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.60% | 9.35% | 9.06% | 9.13% | 9.29% | 9.10% | 9.15% | 9.40% | +27 bps | |
| Net Worth / Assets | 9.60% | 9.35% | 9.06% | 9.13% | 9.29% | 9.10% | 9.15% | 9.40% | +27 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 62.62% | 61.15% | 56.89% | 57.12% | 56.31% | 55.00% | 53.28% | 53.55% | -357 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |