Middletown, NY · Charter 68711
NCUA · 14 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 | 0.26% | 0.16% | 0.10% | -0.07% | 0.19% | 0.37% | 0.36% | 0.50% | +57 bps | |
| Return on Equity | 2.28% | 1.43% | 0.89% | -0.66% | 1.78% | 3.56% | 3.55% | 4.93% | +559 bps | |
| Net Interest Margin | 3.38% | 3.35% | 3.38% | 3.38% | 3.42% | 3.41% | 3.43% | 3.42% | +5 bps | |
| Efficiency Ratio | 89.34% | 89.53% | 88.85% | 88.26% | 84.51% | 83.03% | 83.26% | 80.91% | -735 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.14% | 11.26% | 7.82% | 3.02% | 5.53% | 6.47% | 9.48% | 10.07% | +705 bps | |
| Loan Growth (YoY) | 20.97% | 15.93% | 8.52% | 5.48% | 6.44% | 8.36% | 8.92% | 6.20% | +72 bps | |
| Share Growth (YoY) | 13.35% | 13.55% | 8.52% | 6.74% | 3.98% | 5.51% | 6.37% | 8.24% | +150 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.64% | 1.61% | 1.66% | 1.60% | 1.06% | 1.36% | 1.39% | 1.52% | -9 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 | 11.21% | 10.92% | 11.04% | 10.70% | 10.50% | 10.26% | 10.18% | 10.19% | -51 bps | |
| Net Worth / Assets | 11.21% | 10.92% | 11.04% | 10.70% | 10.50% | 10.26% | 10.18% | 10.19% | -51 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 100.87% | 100.29% | 105.07% | 102.58% | 103.25% | 103.00% | 107.59% | 100.64% | -194 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |