PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Dunlop Employees

Buffalo, NY · Charter 7118

NCUA · 1 branch

Q2 2026

$14.7MAssets
$5.9MLoans
$12.5MShares
$2.0MNet 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 0.97%, up 111 bps year over year; NIM at 2.49%.
  • Asset quality: problem loans at 1.70% of loans (+59 bps YoY).
  • Capital: net worth / assets of 13.47%, up 155 bps from a year ago.
  • Funding: loans stand at 47.35% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.97%+111 bps YoY

Net Interest Margin (YTD, annualized)

2.49%+18 bps YoY

Efficiency Ratio (YTD, annualized)

62.23%-4,027 bps YoY

Net Worth / Assets

13.47%+155 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.15%0.17%-0.27%0.35%0.97%+111 bps
Return on Equity-1.22%1.38%-2.16%2.72%7.16%+839 bps
Net Interest Margin2.31%2.49%2.54%2.18%2.49%+18 bps
Efficiency Ratio102.50%91.67%91.20%84.40%62.23%-4,027 bps
Growth
Asset Growth (YoY)4.21%1.08%5.57%-8.47%-10.41%-1,462 bps
Loan Growth (YoY)-26.64%-30.49%-31.51%-24.03%-20.16%+648 bps
Share Growth (YoY)5.68%-0.06%0.94%-9.49%-12.17%-1,784 bps
Asset Quality
Delinquent Loans / Loans1.11%2.10%1.44%1.34%1.70%+59 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 Capital11.92%12.56%12.55%12.84%13.47%+155 bps
Net Worth / Assets11.92%12.56%12.55%12.84%13.47%+155 bps
Liquidity & Funding
Loans / Shares52.10%52.09%51.28%48.74%47.35%-474 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps