Rome, NY · Charter 68433
NCUA · 19 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 | 0.48% | 0.39% | 0.08% | 0.32% | 0.52% | 0.52% | 0.72% | 0.69% | +37 bps | |
| Return on Equity | 4.91% | 4.12% | 0.80% | 3.38% | 5.33% | 5.56% | 7.64% | 7.17% | +379 bps | |
| Net Interest Margin | 2.97% | 2.96% | 3.15% | 3.29% | 3.41% | 3.34% | 3.75% | 3.77% | +48 bps | |
| Efficiency Ratio | 65.37% | 67.25% | 70.14% | 69.39% | 66.29% | 64.17% | 65.70% | 63.50% | -589 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.26% | 2.15% | 4.27% | 4.27% | 4.66% | 7.66% | 7.86% | 7.27% | +300 bps | |
| Loan Growth (YoY) | 1.79% | 4.79% | 5.29% | 6.68% | 7.06% | 6.93% | 6.85% | 5.45% | -123 bps | |
| Share Growth (YoY) | 3.51% | 4.63% | 4.79% | 4.48% | 5.63% | 8.14% | 8.44% | 9.17% | +469 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.19% | 2.13% | 1.73% | 1.65% | 1.79% | 1.64% | 1.27% | 1.89% | +24 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 | 9.74% | 9.59% | 9.45% | 9.50% | 9.74% | 9.43% | 9.44% | 9.56% | +6 bps | |
| Net Worth / Assets | 9.74% | 9.59% | 9.45% | 9.50% | 9.74% | 9.43% | 9.44% | 9.56% | +6 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 100.47% | 100.42% | 98.39% | 100.18% | 101.84% | 99.29% | 96.94% | 96.76% | -342 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |