Ticonderoga, NY · Charter 9219
NCUA · 4 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.38% | 0.37% | 0.39% | 0.63% | 0.79% | 0.80% | 0.61% | 0.73% | +10 bps | |
| Return on Equity | 4.16% | 3.94% | 4.17% | 6.63% | 8.35% | 8.30% | 6.23% | 7.45% | +83 bps | |
| Net Interest Margin | 3.67% | 3.85% | 3.96% | 3.96% | 3.90% | 3.96% | 4.09% | 4.07% | +12 bps | |
| Efficiency Ratio | 84.88% | 85.76% | 91.02% | 85.84% | 82.82% | 81.61% | 81.23% | 75.77% | -1,007 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.61% | 3.23% | 1.78% | 1.75% | 2.36% | 5.93% | 4.98% | 4.99% | +324 bps | |
| Loan Growth (YoY) | 5.30% | 0.14% | -1.69% | -2.69% | -4.63% | -3.80% | -2.59% | -2.28% | +41 bps | |
| Share Growth (YoY) | 6.48% | 2.50% | 0.40% | 1.37% | 2.75% | 6.03% | 5.32% | 6.86% | +549 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.00% | 0.78% | 0.52% | 0.89% | 0.71% | 1.16% | 0.65% | 0.84% | -6 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 | 9.11% | 9.38% | 9.39% | 9.45% | 9.49% | 9.58% | 9.73% | 9.78% | +33 bps | |
| Net Worth / Assets | 9.11% | 9.38% | 9.39% | 9.45% | 9.49% | 9.58% | 9.73% | 9.78% | +33 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 62.60% | 63.08% | 62.26% | 60.68% | 58.10% | 57.23% | 57.59% | 55.49% | -519 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |