Poughkeepsie, NY · Charter 68705
NCUA · 40 branches
Q4 2025
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 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.54% | 0.47% | 0.42% | 0.30% | 0.00% | 0.11% | 0.19% | 0.19% | -10 bps | |
| Return on Equity | 4.73% | 4.19% | 3.78% | 2.66% | 0.04% | 1.03% | 1.84% | 1.86% | -80 bps | |
| Net Interest Margin | 2.61% | 2.64% | 2.65% | 2.68% | 2.72% | 2.76% | 2.88% | 2.89% | +21 bps | |
| Efficiency Ratio | 75.10% | 77.48% | 78.81% | 82.21% | 82.89% | 83.54% | 82.24% | 82.40% | +20 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.88% | 5.34% | 8.52% | 5.49% | 10.40% | 10.58% | 6.91% | 8.40% | +291 bps | |
| Loan Growth (YoY) | 11.02% | 6.89% | 3.71% | 3.01% | 11.73% | 10.94% | 11.49% | 11.25% | +824 bps | |
| Share Growth (YoY) | 4.03% | 5.27% | 8.36% | 8.13% | 12.81% | 12.83% | 9.15% | 9.12% | +99 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.53% | 0.50% | 0.53% | 0.67% | 0.51% | 0.60% | 0.68% | 0.62% | -6 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 | 11.34% | 11.26% | 11.16% | 11.12% | 10.40% | 10.27% | 10.54% | 10.43% | -69 bps | |
| Net Worth / Assets | 11.34% | 11.26% | 11.16% | 11.12% | 10.40% | 10.27% | 10.54% | 10.43% | -69 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.60% | 68.65% | 67.52% | 67.25% | 68.93% | 67.51% | 68.97% | 68.56% | +131 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |