Watertown, NY · Charter 6112
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.98% | 1.10% | 0.06% | 1.57% | 1.42% | +44 bps | |
| Return on Equity | 7.22% | 7.97% | 0.42% | 11.10% | 9.88% | +265 bps | |
| Net Interest Margin | 2.57% | 2.68% | 1.84% | 3.40% | 3.22% | +65 bps | |
| Efficiency Ratio | 61.65% | 58.82% | 96.93% | 53.77% | 56.41% | -523 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.40% | -0.93% | -2.62% | -5.74% | -3.60% | -120 bps | |
| Loan Growth (YoY) | -0.38% | -2.13% | -3.42% | -14.63% | -17.29% | -1,691 bps | |
| Share Growth (YoY) | -3.02% | -0.94% | -3.11% | -7.30% | -4.64% | -162 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.19% | 1.33% | 1.46% | 1.62% | 1.59% | +40 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.62% | 13.84% | 13.39% | 14.17% | 14.40% | +77 bps | |
| Net Worth / Assets | 13.62% | 13.84% | 13.39% | 14.17% | 14.40% | +77 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 58.34% | 54.06% | 52.66% | 49.74% | 50.60% | -774 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |