PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Gowanda Area

Gowanda, NY · Charter 818

NCUA · 1 branch

Q2 2026

$33.5MAssets
$12.6MLoans
$28.1MShares
$5.4MNet Worth

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.

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.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.72%2.72%2.42%2.48%2.68%2.52%1.74%1.91%-57 bps
Return on Equity20.33%19.67%16.99%16.60%16.89%15.51%10.73%11.88%-472 bps
Net Interest Margin4.25%4.21%4.14%4.13%4.19%4.11%3.71%3.61%-53 bps
Efficiency Ratio41.13%41.10%42.64%43.79%42.74%45.23%43.98%45.99%+220 bps
Growth
Asset Growth (YoY)5.06%9.02%8.79%6.41%2.06%1.06%2.12%6.86%+45 bps
Loan Growth (YoY)13.61%2.45%-2.29%-6.83%-8.10%-10.88%-10.72%-6.76%+7 bps
Share Growth (YoY)2.50%6.83%6.60%4.11%-0.84%-1.74%-0.23%5.36%+125 bps
Asset Quality
Delinquent Loans / Loans0.01%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 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 Capital13.39%13.85%14.25%14.93%15.85%16.22%16.19%16.06%+113 bps
Net Worth / Assets13.39%13.85%14.25%14.93%15.85%16.22%16.19%16.06%+113 bps
Liquidity & Funding
Loans / Shares55.34%53.35%50.56%50.82%51.29%48.39%45.25%44.97%-585 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps