PackageTrendsPeer
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Sidney

Sidney, NY · Charter 6011

NCUA · 13 branches

Q2 2026

$1.3BAssets
$1.0BLoans
$1.1BShares
$133.8MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.23%, up 33 bps year over year; NIM at 4.15%.
  • Asset quality: problem loans at 0.85% of loans (-10 bps YoY).
  • Capital: net worth / assets of 10.50%, up 22 bps from a year ago.
  • Funding: loans stand at 90.06% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.23%+33 bps YoY

Net Interest Margin (quarter, annualized)

4.15%+13 bps YoY

Efficiency Ratio (quarter, annualized)

67.25%-267 bps YoY

Net Worth / Assets

10.50%+22 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.90%0.94%1.29%1.31%1.23%+33 bps
Return on Equity8.71%9.28%12.53%12.94%11.69%+299 bps
Net Interest Margin4.02%4.00%3.94%4.02%4.15%+13 bps
Efficiency Ratio69.92%68.37%64.29%67.08%67.25%-267 bps
Growth
Asset Growth (YoY)13.87%15.75%16.65%18.60%12.94%-93 bps
Loan Growth (YoY)25.94%23.23%19.23%10.81%6.39%-1,955 bps
Share Growth (YoY)14.31%16.25%16.45%18.52%12.30%-201 bps
Asset Quality
Delinquent Loans / Loans0.95%0.81%1.13%0.72%0.85%-10 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.28%10.11%10.29%10.13%10.50%+22 bps
Net Worth / Assets10.28%10.11%10.29%10.13%10.50%+22 bps
Liquidity & Funding
Loans / Shares95.07%95.99%93.45%87.52%90.06%-501 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps