Watertown, NY · Charter 68696
NCUA · 11 branches
Q1 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.21% | 0.29% | 0.26% | -0.01% | 0.15% | 0.22% | 0.23% | 0.03% | +5 bps | |
| Return on Equity | 1.94% | 2.65% | 2.34% | -0.13% | 1.40% | 2.08% | 2.22% | 0.32% | +45 bps | |
| Net Interest Margin | 3.64% | 3.72% | 3.64% | 3.55% | 3.59% | 3.71% | 3.62% | 3.70% | +15 bps | |
| Efficiency Ratio | 91.82% | 90.74% | 90.01% | 95.89% | 93.07% | 91.32% | 89.86% | 94.68% | -121 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.22% | 1.33% | 5.32% | 6.05% | 6.54% | 5.66% | 6.97% | 3.65% | -240 bps | |
| Loan Growth (YoY) | 2.18% | 3.95% | 3.73% | 1.15% | 1.00% | 1.66% | 3.31% | 2.85% | +171 bps | |
| Share Growth (YoY) | -1.76% | -0.82% | 3.95% | 6.75% | 7.92% | 7.15% | 8.32% | 4.88% | -187 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.98% | 1.03% | 1.11% | 0.83% | 0.72% | 0.91% | 0.76% | 0.67% | -15 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 | 10.88% | 11.05% | 10.89% | 10.49% | 10.43% | 10.67% | 10.42% | 10.37% | -13 bps | |
| Net Worth / Assets | 10.88% | 11.05% | 10.89% | 10.49% | 10.43% | 10.67% | 10.42% | 10.37% | -13 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 97.10% | 99.07% | 96.08% | 92.96% | 90.87% | 94.00% | 91.63% | 91.16% | -180 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |