Elma, NY · Charter 6930
NCUA · 3 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 | 0.46% | 0.35% | -0.36% | 0.01% | -0.06% | -0.08% | -0.62% | -0.19% | -19 bps | |
| Return on Equity | 5.49% | 4.27% | -4.43% | 0.06% | -0.68% | -0.97% | -7.35% | -2.16% | -222 bps | |
| Net Interest Margin | 2.96% | 3.00% | 3.36% | 3.21% | 3.40% | 3.43% | 3.55% | 3.54% | +32 bps | |
| Efficiency Ratio | 92.92% | 92.52% | 91.95% | 94.73% | 95.19% | 96.32% | 98.44% | 98.11% | +338 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.56% | 7.85% | 1.07% | 1.30% | -2.16% | -5.63% | -5.07% | -7.83% | -913 bps | |
| Loan Growth (YoY) | -3.15% | -3.89% | -3.97% | -8.89% | -9.95% | -11.12% | -9.76% | -5.14% | +374 bps | |
| Share Growth (YoY) | 9.53% | 8.19% | 1.33% | 1.29% | -2.26% | -6.09% | -5.38% | -8.29% | -958 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.62% | 1.05% | 1.35% | 1.54% | 1.31% | 1.70% | 1.33% | 0.65% | -88 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 | 8.31% | 8.15% | 8.20% | 8.08% | 8.47% | 8.56% | 8.49% | 8.59% | +51 bps | |
| Net Worth / Assets | 8.31% | 8.15% | 8.20% | 8.08% | 8.47% | 8.56% | 8.49% | 8.59% | +51 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.62% | 67.17% | 65.82% | 62.18% | 64.15% | 63.57% | 62.77% | 64.32% | +214 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |