Watertown, NY · Charter 6112
NCUA · 1 branch
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 | 1.69% | 0.11% | 0.97% | 0.98% | 1.10% | 0.06% | 1.57% | 1.42% | +44 bps | |
| Return on Equity | 12.02% | 0.85% | 7.37% | 7.22% | 7.97% | 0.42% | 11.10% | 9.88% | +265 bps | |
| Net Interest Margin | 3.03% | 1.69% | 2.59% | 2.57% | 2.68% | 1.84% | 3.40% | 3.22% | +65 bps | |
| Efficiency Ratio | 44.18% | 93.51% | 62.48% | 61.65% | 58.82% | 96.93% | 53.77% | 56.41% | -523 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.27% | -5.21% | 0.38% | -2.40% | -0.93% | -2.62% | -5.74% | -3.60% | -120 bps | |
| Loan Growth (YoY) | -8.47% | -13.53% | -6.06% | -0.38% | -2.13% | -3.42% | -14.63% | -17.29% | -1,691 bps | |
| Share Growth (YoY) | -10.75% | -6.59% | -0.25% | -3.02% | -0.94% | -3.11% | -7.30% | -4.64% | -162 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.16% | 0.26% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 1.35% | 1.39% | 1.45% | 1.19% | 1.33% | 1.46% | 1.62% | 1.59% | +40 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.07% | 13.00% | 13.19% | 13.62% | 13.84% | 13.39% | 14.17% | 14.40% | +77 bps | |
| Net Worth / Assets | 14.07% | 13.00% | 13.19% | 13.62% | 13.84% | 13.39% | 14.17% | 14.40% | +77 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 54.72% | 52.83% | 54.02% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |