Albany, NY · Charter 68710
NCUA · 16 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.63% | 0.51% | 0.76% | 0.82% | 0.61% | 0.28% | 0.64% | 0.81% | -1 bps | |
| Return on Equity | 6.83% | 5.52% | 8.29% | 8.83% | 6.71% | 3.04% | 6.99% | 8.67% | -16 bps | |
| Net Interest Margin | 3.45% | 3.49% | 3.59% | 3.66% | 3.60% | 3.70% | 3.88% | 3.92% | +26 bps | |
| Efficiency Ratio | 79.32% | 80.99% | 80.93% | 79.00% | 80.98% | 86.26% | 81.45% | 78.74% | -26 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.97% | -1.14% | 1.39% | 2.63% | 5.79% | 4.11% | 2.44% | 2.25% | -37 bps | |
| Loan Growth (YoY) | -5.47% | -6.00% | -5.09% | -4.56% | -3.45% | -4.05% | -5.14% | -3.19% | +138 bps | |
| Share Growth (YoY) | 3.26% | 2.68% | 2.41% | 2.94% | 2.62% | 3.72% | 2.68% | 1.95% | -99 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.01% | 1.09% | 0.90% | 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 | 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 | 9.19% | 9.19% | 9.16% | 9.30% | 9.16% | 9.08% | 9.17% | 9.35% | +5 bps | |
| Net Worth / Assets | 9.19% | 9.19% | 9.16% | 9.30% | 9.16% | 9.08% | 9.17% | 9.35% | +5 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 95.28% | 94.43% | 91.86% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |