Buffalo, NY · Charter 62923
NCUA · 1 branch
Q1 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 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.69% | 0.59% | 0.50% | 0.72% | 0.67% | 0.85% | 0.57% | 0.38% | -34 bps | |
| Return on Equity | 5.51% | 4.62% | 3.83% | 5.53% | 5.08% | 6.34% | 4.34% | 2.86% | -267 bps | |
| Net Interest Margin | 2.27% | 2.46% | 2.47% | 2.68% | 2.78% | 2.89% | 2.88% | 2.91% | +23 bps | |
| Efficiency Ratio | 77.55% | 81.22% | 84.17% | 75.72% | 78.14% | 73.12% | 81.87% | 86.27% | +1,054 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.59% | -2.27% | -3.01% | -2.42% | -1.55% | 0.14% | 2.80% | 2.09% | +452 bps | |
| Loan Growth (YoY) | -6.33% | -9.06% | -14.28% | -14.89% | -15.06% | -14.16% | -15.24% | -14.59% | +29 bps | |
| Share Growth (YoY) | -0.47% | -3.24% | -4.05% | -3.38% | -3.31% | -0.55% | 2.50% | 1.71% | +509 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.54% | 0.58% | 0.66% | 0.25% | 0.28% | 0.48% | 1.14% | 0.93% | +68 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 | 12.44% | 12.85% | 13.07% | 12.95% | 13.18% | 13.48% | 13.25% | 13.15% | +20 bps | |
| Net Worth / Assets | 12.44% | 12.85% | 13.07% | 12.95% | 13.18% | 13.48% | 13.25% | 13.15% | +20 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 38.05% | 37.49% | 36.89% | 33.69% | 33.43% | 32.36% | 30.51% | 28.29% | -540 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |