Sidney, NY · Charter 6011
NCUA · 13 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 | 0.60% | 0.68% | 0.95% | 0.90% | 0.94% | 1.29% | 1.31% | 1.23% | +33 bps | |
| Return on Equity | 5.61% | 6.44% | 9.10% | 8.71% | 9.28% | 12.53% | 12.94% | 11.69% | +299 bps | |
| Net Interest Margin | 3.79% | 3.79% | 4.01% | 4.02% | 4.00% | 3.94% | 4.02% | 4.15% | +13 bps | |
| Efficiency Ratio | 73.77% | 72.59% | 69.88% | 69.92% | 68.37% | 64.29% | 67.08% | 67.25% | -267 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 17.66% | 11.60% | 10.15% | 13.87% | 15.75% | 16.65% | 18.60% | 12.94% | -93 bps | |
| Loan Growth (YoY) | 19.54% | 18.25% | 23.73% | 25.94% | 23.23% | 19.23% | 10.81% | 6.39% | -1,955 bps | |
| Share Growth (YoY) | 17.40% | 12.33% | 10.42% | 14.31% | 16.25% | 16.45% | 18.52% | 12.30% | -201 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.84% | 1.00% | 0.98% | 0.95% | 0.81% | 1.13% | 0.72% | 0.85% | -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 | 10.71% | 10.57% | 10.48% | 10.28% | 10.11% | 10.29% | 10.13% | 10.50% | +22 bps | |
| Net Worth / Assets | 10.71% | 10.57% | 10.48% | 10.28% | 10.11% | 10.29% | 10.13% | 10.50% | +22 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 90.56% | 91.27% | 93.61% | 95.07% | 95.99% | 93.45% | 87.52% | 90.06% | -501 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |