PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Inner Lakes

Westfield, NY · Charter 7717

NCUA · 5 branches

Q2 2026

$165.9MAssets
$52.8MLoans
$155.5MShares
$16.3MNet 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 0.89%, up 3 bps year over year; NIM at 3.17%.
  • Asset quality: problem loans at 0.57% of loans (-44 bps YoY).
  • Capital: net worth / assets of 9.84%, up 9 bps from a year ago.
  • Funding: loans stand at 33.95% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.89%+3 bps YoY

Net Interest Margin (YTD, annualized)

3.17%+12 bps YoY

Efficiency Ratio (YTD, annualized)

71.35%+180 bps YoY

Net Worth / Assets

9.84%+9 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.86%0.76%0.71%0.81%0.89%+3 bps
Return on Equity8.86%7.74%7.30%8.28%9.07%+21 bps
Net Interest Margin3.05%3.07%3.07%3.20%3.17%+12 bps
Efficiency Ratio69.55%71.49%72.73%72.26%71.35%+180 bps
Growth
Asset Growth (YoY)9.41%7.71%7.59%5.87%6.10%-331 bps
Loan Growth (YoY)-6.62%-4.66%-3.72%0.51%-1.57%+504 bps
Share Growth (YoY)8.15%6.92%5.23%4.72%4.63%-352 bps
Asset Quality
Delinquent Loans / Loans1.02%1.96%0.44%0.57%0.57%-44 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 Capital9.74%9.85%9.78%9.82%9.84%+9 bps
Net Worth / Assets9.74%9.85%9.78%9.82%9.84%+9 bps
Liquidity & Funding
Loans / Shares36.08%36.80%35.97%35.44%33.95%-214 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps