Niagara Falls, NY · Charter 9537
NCUA · 2 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 | 0.71% | 0.74% | 1.11% | 0.98% | 1.11% | 1.01% | 1.58% | 1.50% | +52 bps | |
| Return on Equity | 6.00% | 6.30% | 9.18% | 7.80% | 8.42% | 7.78% | 11.70% | 10.96% | +316 bps | |
| Net Interest Margin | 3.72% | 3.86% | 3.73% | 3.88% | 4.06% | 4.02% | 4.29% | 4.12% | +23 bps | |
| Efficiency Ratio | 80.15% | 79.71% | 76.86% | 78.41% | 76.95% | 78.72% | 70.17% | 71.43% | -698 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.29% | 2.06% | 0.01% | 1.40% | -2.94% | -2.46% | -3.63% | -0.14% | -155 bps | |
| Loan Growth (YoY) | -7.25% | -7.39% | -6.08% | -6.25% | -6.67% | -2.72% | -1.46% | 10.92% | +1,717 bps | |
| Share Growth (YoY) | 1.44% | 0.37% | -2.05% | -0.80% | -5.10% | -5.05% | -6.12% | -2.12% | -132 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.93% | 1.30% | 1.01% | 1.20% | 1.64% | 1.38% | 0.58% | 1.64% | +45 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 | 11.88% | 11.78% | 12.06% | 12.56% | 13.23% | 12.99% | 13.51% | 13.69% | +113 bps | |
| Net Worth / Assets | 11.88% | 11.78% | 12.06% | 12.56% | 13.23% | 12.99% | 13.51% | 13.69% | +113 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 47.04% | 44.63% | 43.55% | 44.24% | 46.27% | 45.73% | 45.71% | 50.14% | +589 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |