Cheektowaga, NY · Charter 613
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 | 0.20% | 0.09% | -0.64% | -0.37% | 0.75% | 0.35% | -0.56% | -1.63% | -127 bps | |
| Return on Equity | 1.83% | 0.79% | -6.04% | -3.49% | 6.69% | 3.18% | -5.17% | -16.16% | -1,268 bps | |
| Net Interest Margin | 2.82% | 2.85% | 2.67% | 2.77% | 2.85% | 2.98% | 2.90% | 3.14% | +37 bps | |
| Efficiency Ratio | 94.11% | 96.15% | 106.73% | 100.58% | 77.48% | 87.24% | 116.03% | 142.45% | +4,187 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.44% | -3.24% | -1.01% | -0.94% | 0.34% | 0.72% | -0.86% | -1.43% | -49 bps | |
| Loan Growth (YoY) | -12.24% | -7.46% | 0.17% | 4.89% | 4.24% | 1.26% | -3.53% | -8.19% | -1,308 bps | |
| Share Growth (YoY) | -7.38% | -3.66% | -1.16% | -0.71% | 0.02% | -0.64% | -1.50% | -1.93% | -122 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.19% | 0.40% | 0.56% | 0.51% | 0.55% | 0.58% | 0.38% | 0.32% | -19 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 | 10.89% | 10.92% | 10.64% | 10.50% | 11.15% | 10.99% | 10.90% | 10.11% | -39 bps | |
| Net Worth / Assets | 10.89% | 10.92% | 10.64% | 10.50% | 11.15% | 10.99% | 10.90% | 10.11% | -39 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 44.72% | 44.95% | 45.58% | 46.78% | 46.61% | 45.81% | 44.64% | 43.79% | -298 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |