Jamestown, NY · Charter 5785
NCUA · 2 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.46% | 0.45% | 0.22% | 0.31% | 0.48% | 0.50% | 0.43% | 0.25% | -6 bps | |
| Return on Equity | 4.46% | 4.26% | 2.15% | 3.02% | 4.47% | 4.62% | 3.97% | 2.30% | -72 bps | |
| Net Interest Margin | 3.35% | 3.47% | 3.61% | 3.64% | 3.84% | 3.88% | 3.89% | 3.99% | +35 bps | |
| Efficiency Ratio | 89.73% | 90.55% | 89.71% | 89.29% | 87.12% | 87.38% | 87.89% | 91.31% | +202 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.64% | -1.22% | -0.27% | 1.46% | -0.09% | 1.68% | 1.56% | -0.01% | -147 bps | |
| Loan Growth (YoY) | 2.96% | 0.69% | -0.72% | -2.41% | -5.71% | -6.59% | -6.90% | -4.80% | -239 bps | |
| Share Growth (YoY) | -0.63% | -1.77% | -0.87% | 1.20% | -0.55% | 1.22% | 1.34% | -0.19% | -139 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.10% | 0.21% | 0.17% | 0.22% | 0.24% | 0.79% | 0.10% | 0.12% | -10 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 | 10.35% | 10.59% | 10.42% | 10.34% | 10.82% | 10.92% | 10.80% | 10.81% | +46 bps | |
| Net Worth / Assets | 10.35% | 10.59% | 10.42% | 10.34% | 10.82% | 10.92% | 10.80% | 10.81% | +46 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.58% | 70.42% | 66.93% | 65.19% | 65.98% | 64.99% | 61.49% | 62.18% | -301 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |