Solvay, NY · Charter 8512
NCUA · 2 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.75% | 0.78% | 0.76% | 0.37% | 0.62% | -14 bps | |
| Return on Equity | 8.00% | 8.07% | 8.04% | 4.12% | 6.83% | -117 bps | |
| Net Interest Margin | 3.35% | 3.40% | 3.30% | 3.00% | 3.04% | -31 bps | |
| Efficiency Ratio | 80.09% | 79.29% | 80.06% | 88.36% | 82.09% | +200 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.89% | 3.55% | 5.71% | 10.49% | 12.31% | +742 bps | |
| Loan Growth (YoY) | 27.02% | 23.74% | 16.60% | 10.47% | 9.59% | -1,743 bps | |
| Share Growth (YoY) | 4.02% | 2.86% | 5.22% | 10.50% | 12.78% | +875 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.49% | 1.16% | 1.06% | 0.52% | 0.78% | +29 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.38% | 9.62% | 9.47% | 8.96% | 9.01% | -37 bps | |
| Net Worth / Assets | 9.38% | 9.62% | 9.47% | 8.96% | 9.01% | -37 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 70.00% | 72.31% | 70.63% | 65.76% | 68.03% | -198 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |