Cheektowaga, NY · Charter 6870
NCUA · 7 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 | 1.70% | 1.69% | 1.52% | 1.59% | 1.63% | 1.57% | 1.28% | 1.24% | -35 bps | |
| Return on Equity | 11.70% | 11.41% | 10.30% | 10.63% | 10.70% | 10.25% | 8.50% | 8.24% | -239 bps | |
| Net Interest Margin | 3.29% | 3.29% | 3.28% | 3.30% | 3.31% | 3.27% | 3.02% | 3.05% | -25 bps | |
| Efficiency Ratio | 57.17% | 57.25% | 59.81% | 58.63% | 57.84% | 59.00% | 65.31% | 65.56% | +693 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.56% | 6.08% | 7.55% | 6.33% | 6.74% | 7.65% | 8.28% | 9.69% | +337 bps | |
| Loan Growth (YoY) | 10.05% | 10.07% | 14.69% | 10.66% | 8.78% | 7.09% | 3.48% | 3.37% | -729 bps | |
| Share Growth (YoY) | 3.52% | 5.18% | 6.99% | 5.61% | 5.89% | 7.07% | 7.89% | 9.63% | +402 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.35% | 0.41% | 0.31% | 0.41% | 0.46% | 0.43% | 0.47% | 0.51% | +10 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 | 14.56% | 14.84% | 14.73% | 14.98% | 15.27% | 15.36% | 15.09% | 15.02% | +5 bps | |
| Net Worth / Assets | 14.56% | 14.84% | 14.73% | 14.98% | 15.27% | 15.36% | 15.09% | 15.02% | +5 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.70% | 66.49% | 65.67% | 68.02% | 68.52% | 66.50% | 62.99% | 64.13% | -389 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |