Ithaca, NY · Charter 68322
NCUA · 14 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 | 0.53% | 0.39% | 0.22% | 0.62% | 0.76% | 0.63% | 0.09% | 0.73% | +11 bps | |
| Return on Equity | 3.67% | 2.82% | 1.58% | 4.36% | 5.37% | 4.62% | 0.63% | 5.19% | +83 bps | |
| Net Interest Margin | 3.41% | 3.36% | 3.27% | 3.39% | 3.43% | 3.37% | 3.29% | 3.36% | -2 bps | |
| Efficiency Ratio | 82.27% | 83.48% | 88.62% | 80.15% | 78.04% | 80.05% | 92.96% | 78.98% | -117 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.89% | -1.22% | 0.70% | 2.72% | 4.64% | 5.31% | 3.55% | 7.06% | +434 bps | |
| Loan Growth (YoY) | -3.80% | -3.83% | -2.20% | 0.24% | 2.71% | 3.84% | 3.27% | 3.66% | +341 bps | |
| Share Growth (YoY) | -5.02% | -1.46% | 0.63% | 2.98% | 5.39% | 4.51% | 2.83% | 6.45% | +347 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.07% | 1.23% | 0.86% | 1.03% | 0.97% | 0.98% | 0.60% | 0.69% | -34 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 | 14.45% | 13.83% | 13.71% | 14.12% | 14.23% | 13.62% | 13.69% | 14.01% | -11 bps | |
| Net Worth / Assets | 14.45% | 13.83% | 13.71% | 14.12% | 14.23% | 13.62% | 13.69% | 14.01% | -11 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 87.23% | 82.19% | 81.34% | 84.50% | 85.01% | 81.67% | 81.69% | 82.28% | -222 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |