Coxsackie, NY · Charter 888
NCUA · 2 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.99% | 1.08% | 1.11% | -2.07% | -0.91% | -190 bps | |
| Return on Equity | 3.51% | 3.76% | 3.77% | -7.17% | -3.18% | -669 bps | |
| Net Interest Margin | 4.90% | 4.84% | 4.85% | 4.44% | 4.47% | -43 bps | |
| Efficiency Ratio | 58.31% | 57.01% | 61.39% | 70.75% | 62.80% | +449 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.76% | 1.12% | 0.84% | -0.85% | -1.04% | -480 bps | |
| Loan Growth (YoY) | -17.39% | -17.48% | -18.33% | -20.37% | -16.12% | +127 bps | |
| Share Growth (YoY) | 4.17% | 0.99% | -0.31% | -1.17% | -1.47% | -564 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 8.95% | 8.07% | 8.16% | 3.57% | 7.69% | -126 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.46% | 3.27% | 3.54% | 3.38% | 4.79% | +133 bps | |
| Capital | |||||||
| Risk-Based Capital | 28.26% | 28.67% | 29.48% | 28.93% | 28.71% | +45 bps | |
| Net Worth / Assets | 28.26% | 28.67% | 29.48% | 28.93% | 28.71% | +45 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 70.49% | 68.86% | 70.19% | 63.70% | 60.01% | -1,048 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |