Bath, NY · Charter 6225
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 | -0.38% | -0.25% | 0.63% | 0.54% | 0.79% | 0.89% | 0.50% | 0.15% | -39 bps | |
| Return on Equity | -3.28% | -2.03% | 5.41% | 4.54% | 6.55% | 7.13% | 4.10% | 1.23% | -331 bps | |
| Net Interest Margin | 1.72% | 2.01% | 2.55% | 2.70% | 2.83% | 2.92% | 3.13% | 3.24% | +54 bps | |
| Efficiency Ratio | 109.93% | 102.75% | 76.70% | 77.18% | 72.83% | 71.82% | 73.01% | 75.56% | -162 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.72% | -6.62% | -1.45% | -0.79% | -0.46% | 4.93% | 2.50% | 2.86% | +365 bps | |
| Loan Growth (YoY) | 1.13% | 1.96% | 5.57% | 20.76% | 23.75% | 23.34% | 22.26% | 12.83% | -792 bps | |
| Share Growth (YoY) | -1.48% | -6.58% | -3.04% | -1.69% | -2.33% | 4.45% | 1.86% | 1.00% | +270 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.03% | 0.01% | 1.07% | 0.03% | 0.01% | 0.01% | 0.18% | 0.09% | +6 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 | 11.43% | 12.12% | 11.67% | 11.84% | 12.13% | 12.44% | 12.22% | 12.19% | +35 bps | |
| Net Worth / Assets | 11.43% | 12.12% | 11.67% | 11.84% | 12.13% | 12.44% | 12.22% | 12.19% | +35 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 23.02% | 24.95% | 25.09% | 27.68% | 29.17% | 29.46% | 30.11% | 30.92% | +324 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |