Niagara Falls, NY · Charter 63793
NCUA · 1 branch
Q4 2025
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -9.21% | -0.03% | -0.99% | -2.53% | -3.91% | -3.89% | -3.75% | -1.22% | +131 bps | |
| Return on Equity | -77.19% | -0.28% | -8.10% | -24.46% | -41.01% | -43.85% | -44.83% | -11.98% | +1,248 bps | |
| Net Interest Margin | 4.20% | 4.87% | 5.25% | 5.15% | 4.62% | 5.02% | 5.20% | 5.43% | +27 bps | |
| Efficiency Ratio | 136.34% | 134.51% | 139.59% | 141.39% | 174.29% | 168.19% | 163.61% | 152.71% | +1,132 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -17.59% | -17.84% | -23.59% | -16.93% | -12.35% | -11.22% | -6.44% | -9.40% | +753 bps | |
| Loan Growth (YoY) | 22.23% | 24.52% | 24.41% | 13.76% | 2.79% | 3.12% | -6.25% | -13.43% | -2,719 bps | |
| Share Growth (YoY) | -17.91% | -17.54% | -23.51% | -14.03% | -9.90% | -8.25% | -2.28% | -9.24% | +478 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.85% | 3.39% | 3.05% | 3.11% | 0.11% | 0.00% | 0.00% | 0.00% | -311 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 | 3.23% | 3.09% | 1.19% | 3.45% | 3.54% | 3.62% | 3.61% | 0.43% | -302 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.93% | 11.81% | 12.25% | 10.35% | 9.54% | 8.86% | 8.35% | 10.20% | -15 bps | |
| Net Worth / Assets | 11.93% | 11.81% | 12.25% | 10.35% | 9.54% | 8.86% | 8.35% | 10.20% | -15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 57.39% | 62.18% | 69.91% | 66.67% | 65.46% | 69.88% | 67.07% | 63.59% | -307 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |