Elmira, NY · Charter 7846
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 | 1.80% | 1.79% | 1.17% | 1.18% | 1.17% | 1.21% | 1.00% | 1.07% | -11 bps | |
| Return on Equity | 15.57% | 14.76% | 9.83% | 9.75% | 9.51% | 9.91% | 8.06% | 8.50% | -125 bps | |
| Net Interest Margin | 4.40% | 4.46% | 4.28% | 4.32% | 4.40% | 4.29% | 4.15% | 4.13% | -19 bps | |
| Efficiency Ratio | 64.17% | 65.36% | 74.32% | 73.55% | 72.87% | 72.46% | 75.69% | 75.18% | +164 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.34% | 3.29% | 6.17% | 5.60% | 5.11% | 9.67% | 6.33% | 6.13% | +53 bps | |
| Loan Growth (YoY) | 5.59% | 4.44% | 3.92% | 1.89% | -0.64% | 1.04% | -0.56% | -2.34% | -422 bps | |
| Share Growth (YoY) | 1.14% | 1.54% | 5.51% | 4.56% | 5.35% | 9.47% | 5.65% | 5.72% | +116 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.31% | 0.46% | 0.03% | 0.10% | 0.06% | 0.41% | 0.07% | 0.30% | +20 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 | 11.59% | 12.11% | 11.90% | 12.07% | 12.30% | 12.26% | 12.37% | 12.55% | +47 bps | |
| Net Worth / Assets | 11.59% | 12.11% | 11.90% | 12.07% | 12.30% | 12.26% | 12.37% | 12.55% | +47 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 53.31% | 52.68% | 50.88% | 51.32% | 50.27% | 48.62% | 47.89% | 47.41% | -391 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |