PackageTrendsPeer
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Cadets

Elma, NY · Charter 6930

NCUA · 3 branches

Q2 2026

$17.7MAssets
$10.4MLoans
$16.1MShares
$1.5MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -0.19%, down 19 bps year over year; NIM at 3.54%.
  • Asset quality: problem loans at 0.65% of loans (-88 bps YoY).
  • Capital: net worth / assets of 8.59%, up 51 bps from a year ago.
  • Funding: loans stand at 64.32% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

-0.19%-19 bps YoY

Net Interest Margin (quarter, annualized)

3.54%+32 bps YoY

Efficiency Ratio (quarter, annualized)

98.11%+338 bps YoY

Net Worth / Assets

8.59%+51 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.01%-0.06%-0.08%-0.62%-0.19%-19 bps
Return on Equity0.06%-0.68%-0.97%-7.35%-2.16%-222 bps
Net Interest Margin3.21%3.40%3.43%3.55%3.54%+32 bps
Efficiency Ratio94.73%95.19%96.32%98.44%98.11%+338 bps
Growth
Asset Growth (YoY)1.30%-2.16%-5.63%-5.07%-7.83%-913 bps
Loan Growth (YoY)-8.89%-9.95%-11.12%-9.76%-5.14%+374 bps
Share Growth (YoY)1.29%-2.26%-6.09%-5.38%-8.29%-958 bps
Asset Quality
Delinquent Loans / Loans1.54%1.31%1.70%1.33%0.65%-88 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital8.08%8.47%8.56%8.49%8.59%+51 bps
Net Worth / Assets8.08%8.47%8.56%8.49%8.59%+51 bps
Liquidity & Funding
Loans / Shares62.18%64.15%63.57%62.77%64.32%+214 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps