PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Gowanda Area

Gowanda, NY · Charter 818

NCUA · 1 branch

Q2 2026

$33.5MAssets
$12.6MLoans
$28.1MShares
$5.4MNet 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 1.91%, down 57 bps year over year; NIM at 3.61%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 16.06%, up 113 bps from a year ago.
  • Funding: loans stand at 44.97% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.91%-57 bps YoY

Net Interest Margin (YTD, annualized)

3.61%-53 bps YoY

Efficiency Ratio (YTD, annualized)

45.99%+220 bps YoY

Net Worth / Assets

16.06%+113 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.48%2.68%2.52%1.74%1.91%-57 bps
Return on Equity16.60%16.89%15.51%10.73%11.88%-472 bps
Net Interest Margin4.13%4.19%4.11%3.71%3.61%-53 bps
Efficiency Ratio43.79%42.74%45.23%43.98%45.99%+220 bps
Growth
Asset Growth (YoY)6.41%2.06%1.06%2.12%6.86%+45 bps
Loan Growth (YoY)-6.83%-8.10%-10.88%-10.72%-6.76%+7 bps
Share Growth (YoY)4.11%-0.84%-1.74%-0.23%5.36%+125 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 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 Capital14.93%15.85%16.22%16.19%16.06%+113 bps
Net Worth / Assets14.93%15.85%16.22%16.19%16.06%+113 bps
Liquidity & Funding
Loans / Shares50.82%51.29%48.39%45.25%44.97%-585 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps