Buffalo, NY · Charter 7118
NCUA · 1 branch
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.04% | -0.17% | 0.01% | -0.15% | 0.17% | -0.27% | 0.35% | 0.97% | +111 bps | |
| Return on Equity | 0.30% | -1.32% | 0.06% | -1.22% | 1.38% | -2.16% | 2.72% | 7.16% | +839 bps | |
| Net Interest Margin | 2.15% | 2.35% | 2.39% | 2.31% | 2.49% | 2.54% | 2.18% | 2.49% | +18 bps | |
| Efficiency Ratio | 98.35% | 97.09% | 93.69% | 102.50% | 91.67% | 91.20% | 84.40% | 62.23% | -4,027 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.21% | -0.94% | 4.98% | 4.21% | 1.08% | 5.57% | -8.47% | -10.41% | -1,462 bps | |
| Loan Growth (YoY) | -9.65% | -11.75% | -22.44% | -26.64% | -30.49% | -31.51% | -24.03% | -20.16% | +648 bps | |
| Share Growth (YoY) | -0.10% | -0.99% | 7.41% | 5.68% | -0.06% | 0.94% | -9.49% | -12.17% | -1,784 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.45% | 0.31% | 0.53% | 1.11% | 2.10% | 1.44% | 1.34% | 1.70% | +59 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 | 12.84% | 13.11% | 12.02% | 11.92% | 12.56% | 12.55% | 12.84% | 13.47% | +155 bps | |
| Net Worth / Assets | 12.84% | 13.11% | 12.02% | 11.92% | 12.56% | 12.55% | 12.84% | 13.47% | +155 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 74.90% | 75.58% | 58.07% | 52.10% | 52.09% | 51.28% | 48.74% | 47.35% | -474 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |