Albany, NY · Charter 68710
NCUA · 16 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.82% | 0.61% | 0.28% | 0.64% | 0.81% | -1 bps | |
| Return on Equity | 8.83% | 6.71% | 3.04% | 6.99% | 8.67% | -16 bps | |
| Net Interest Margin | 3.66% | 3.60% | 3.70% | 3.88% | 3.92% | +26 bps | |
| Efficiency Ratio | 79.00% | 80.98% | 86.26% | 81.45% | 78.74% | -26 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.63% | 5.79% | 4.11% | 2.44% | 2.25% | -37 bps | |
| Loan Growth (YoY) | -4.56% | -3.45% | -4.05% | -5.14% | -3.19% | +138 bps | |
| Share Growth (YoY) | 2.94% | 2.62% | 3.72% | 2.68% | 1.95% | -99 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.94% | 1.37% | 1.56% | 1.42% | 1.37% | +43 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.30% | 9.16% | 9.08% | 9.17% | 9.35% | +5 bps | |
| Net Worth / Assets | 9.30% | 9.16% | 9.08% | 9.17% | 9.35% | +5 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 89.58% | 89.65% | 87.35% | 84.87% | 85.07% | -451 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |