Corinth, NY · Charter 68342
NCUA · 5 branches
Q4 2025
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 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.87% | 1.06% | 1.15% | 0.68% | 0.71% | 1.00% | 0.98% | 0.54% | -14 bps | |
| Return on Equity | 5.84% | 6.97% | 7.16% | 4.30% | 4.55% | 6.39% | 6.16% | 3.58% | -72 bps | |
| Net Interest Margin | 3.31% | 3.38% | 3.56% | 3.41% | 3.55% | 3.66% | 3.78% | 3.53% | +12 bps | |
| Efficiency Ratio | 78.80% | 76.59% | 74.80% | 83.42% | 80.95% | 75.38% | 76.82% | 83.00% | -41 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.35% | 0.93% | -4.67% | -2.63% | -0.83% | 1.51% | 5.10% | 9.58% | +1,221 bps | |
| Loan Growth (YoY) | 0.42% | -1.29% | -3.21% | -3.86% | -3.88% | -2.50% | -0.13% | 0.88% | +474 bps | |
| Share Growth (YoY) | -0.35% | 1.84% | 1.51% | 2.19% | 1.93% | 2.31% | 4.48% | 9.74% | +755 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.88% | 1.11% | 1.25% | 1.20% | 1.02% | 1.27% | 1.20% | 1.38% | +18 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 | 14.84% | 15.21% | 16.07% | 15.80% | 15.58% | 15.60% | 15.84% | 14.95% | -86 bps | |
| Net Worth / Assets | 14.84% | 15.21% | 16.07% | 15.80% | 15.58% | 15.60% | 15.84% | 14.95% | -86 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 103.62% | 102.61% | 104.03% | 101.77% | 97.71% | 97.79% | 99.45% | 93.55% | -822 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |