Albany, NY · Charter 68420
NCUA · 2 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.32% | 1.59% | 2.63% | 2.47% | 2.28% | 2.01% | 1.95% | 1.52% | -96 bps | |
| Return on Equity | 10.69% | 6.96% | 11.25% | 10.72% | 10.24% | 8.95% | 8.56% | 6.42% | -429 bps | |
| Net Interest Margin | 4.20% | 4.42% | 4.03% | 3.88% | 3.67% | 3.64% | 3.33% | 3.36% | -51 bps | |
| Efficiency Ratio | 24.27% | 25.32% | 28.54% | 26.72% | 27.35% | 28.82% | 33.93% | 33.98% | +726 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.66% | -5.85% | -6.82% | -1.23% | 4.36% | 11.35% | 12.00% | 4.94% | +617 bps | |
| Loan Growth (YoY) | -1.34% | -2.92% | -12.14% | -19.12% | -17.58% | -7.95% | -9.59% | -11.80% | +732 bps | |
| Share Growth (YoY) | 3.94% | -9.18% | -10.40% | -3.56% | 3.60% | 11.80% | 12.90% | 4.21% | +776 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.40% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 3.25% | 4.58% | +458 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 | 21.69% | 22.81% | 23.38% | 23.07% | 22.24% | 22.49% | 22.76% | 23.60% | +53 bps | |
| Net Worth / Assets | 21.69% | 22.81% | 23.38% | 23.07% | 22.24% | 22.49% | 22.76% | 23.60% | +53 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 94.71% | 94.57% | 89.70% | 82.54% | 75.35% | 77.86% | 71.83% | 69.86% | -1,268 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |