PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Inner Lakes

Westfield, NY · Charter 7717

NCUA · 5 branches

Q2 2026

$165.9MAssets
$52.8MLoans
$155.5MShares
$16.3MNet Worth

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.

Return on Assets (quarter, annualized)

0.89%+3 bps YoY

Net Interest Margin (quarter, annualized)

3.17%+12 bps YoY

Efficiency Ratio (quarter, annualized)

71.35%+180 bps YoY

Net Worth / Assets

9.84%+9 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.98%0.91%1.07%0.86%0.76%0.71%0.81%0.89%+3 bps
Return on Equity9.95%9.26%10.91%8.86%7.74%7.30%8.28%9.07%+21 bps
Net Interest Margin3.01%3.01%3.12%3.05%3.07%3.07%3.20%3.17%+12 bps
Efficiency Ratio69.82%69.30%69.39%69.55%71.49%72.73%72.26%71.35%+180 bps
Growth
Asset Growth (YoY)8.40%5.67%9.70%9.41%7.71%7.59%5.87%6.10%-331 bps
Loan Growth (YoY)7.13%0.94%-4.49%-6.62%-4.66%-3.72%0.51%-1.57%+504 bps
Share Growth (YoY)4.00%4.89%7.66%8.15%6.92%5.23%4.72%4.63%-352 bps
Asset Quality
Delinquent Loans / Loans1.21%1.48%1.06%1.02%1.96%0.44%0.57%0.57%-44 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.89%9.84%9.78%9.74%9.85%9.78%9.82%9.84%+9 bps
Net Worth / Assets9.89%9.84%9.78%9.74%9.85%9.78%9.82%9.84%+9 bps
Liquidity & Funding
Loans / Shares41.27%39.32%36.92%36.08%36.80%35.97%35.44%33.95%-214 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps