Cheektowaga, NY · Charter 60716
NCUA · 3 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 | 1.74% | 1.49% | 1.31% | 1.38% | 1.34% | 1.14% | 1.13% | 1.37% | -1 bps | |
| Return on Equity | 15.65% | 13.21% | 11.69% | 12.06% | 10.25% | 8.77% | 8.66% | 10.40% | -166 bps | |
| Net Interest Margin | 3.78% | 3.69% | 3.94% | 3.94% | 3.98% | 3.91% | 3.88% | 3.83% | -10 bps | |
| Efficiency Ratio | 55.87% | 61.93% | 68.46% | 65.78% | 68.46% | 70.16% | 71.55% | 68.50% | +271 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 23.69% | 27.61% | 30.40% | 30.38% | 5.23% | 6.21% | 4.70% | 5.77% | -2,461 bps | |
| Loan Growth (YoY) | 20.09% | 16.84% | 14.35% | 14.02% | 2.31% | 2.52% | 2.20% | 3.10% | -1,092 bps | |
| Share Growth (YoY) | 19.64% | 24.78% | 29.03% | 29.56% | 4.35% | 6.43% | 4.65% | 4.64% | -2,491 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.20% | 0.15% | 0.06% | 0.10% | 0.53% | 0.51% | 0.21% | 0.12% | +2 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 | 11.11% | 11.27% | 11.22% | 11.40% | 13.13% | 12.97% | 13.05% | 13.16% | +176 bps | |
| Net Worth / Assets | 11.11% | 11.27% | 11.22% | 11.40% | 13.13% | 12.97% | 13.05% | 13.16% | +176 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 46.02% | 45.04% | 41.93% | 42.63% | 45.11% | 43.39% | 40.95% | 42.00% | -63 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |