PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Directors Choice

Albany, NY · Charter 68420

NCUA · 2 branches

Q2 2026

$11.9MAssets
$6.4MLoans
$9.1MShares
$2.8MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.52%, down 96 bps year over year; NIM at 3.36%.
  • Asset quality: problem loans at 4.58% of loans (+458 bps YoY).
  • Capital: net worth / assets of 23.60%, up 53 bps from a year ago.
  • Funding: loans stand at 69.86% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.52%-96 bps YoY

Net Interest Margin (YTD, annualized)

3.36%-51 bps YoY

Efficiency Ratio (YTD, annualized)

33.98%+726 bps YoY

Net Worth / Assets

23.60%+53 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.47%2.28%2.01%1.95%1.52%-96 bps
Return on Equity10.72%10.24%8.95%8.56%6.42%-429 bps
Net Interest Margin3.88%3.67%3.64%3.33%3.36%-51 bps
Efficiency Ratio26.72%27.35%28.82%33.93%33.98%+726 bps
Growth
Asset Growth (YoY)-1.23%4.36%11.35%12.00%4.94%+617 bps
Loan Growth (YoY)-19.12%-17.58%-7.95%-9.59%-11.80%+732 bps
Share Growth (YoY)-3.56%3.60%11.80%12.90%4.21%+776 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%3.25%4.58%+458 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital23.07%22.24%22.49%22.76%23.60%+53 bps
Net Worth / Assets23.07%22.24%22.49%22.76%23.60%+53 bps
Liquidity & Funding
Loans / Shares82.54%75.35%77.86%71.83%69.86%-1,268 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps