Lakewood, NY · Charter 9107
NCUA · 10 branches
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 | 1.76% | 2.00% | 1.56% | 1.30% | 1.51% | 1.59% | 2.53% | 1.62% | +32 bps | |
| Return on Equity | 11.01% | 12.17% | 9.61% | 8.06% | 8.98% | 9.42% | 18.59% | 9.22% | +116 bps | |
| Net Interest Margin | 5.12% | 5.15% | 5.08% | 5.10% | 5.49% | 5.47% | 5.68% | 4.80% | -30 bps | |
| Efficiency Ratio | 69.71% | 68.74% | 74.84% | 75.48% | 70.76% | 66.78% | 71.66% | 75.28% | -20 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.20% | 7.27% | 4.28% | 6.44% | 6.56% | 7.18% | 5.96% | 1.33% | -510 bps | |
| Loan Growth (YoY) | 3.32% | 4.51% | 1.63% | 1.47% | 0.98% | -1.05% | -1.22% | -1.74% | -321 bps | |
| Share Growth (YoY) | 3.60% | 7.24% | 3.20% | 6.42% | 5.96% | 6.50% | 5.79% | 0.05% | -636 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.77% | 0.76% | 0.44% | 0.53% | 0.92% | 1.35% | 1.75% | 1.61% | +109 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 | 16.01% | 16.43% | 16.25% | 16.10% | 16.83% | 16.93% | 13.60% | 17.58% | +147 bps | |
| Net Worth / Assets | 16.01% | 16.43% | 16.25% | 16.10% | 16.83% | 16.93% | 13.60% | 17.58% | +147 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 93.88% | 92.84% | 88.79% | 87.50% | 89.46% | 86.26% | 82.90% | 85.93% | -157 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |