PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Greater Together

Niagara Falls, NY · Charter 9537

NCUA · 2 branches

Q2 2026

$69.5MAssets
$29.8MLoans
$59.5MShares
$9.5MNet Worth

Executive Summary

  • Earnings: ROA of 1.50%, up 52 bps year over year; NIM at 4.12%.
  • Asset quality: problem loans at 1.64% of loans (+45 bps YoY).
  • Capital: net worth / assets of 13.69%, up 113 bps from a year ago.
  • Funding: loans stand at 50.14% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.50%+52 bps YoY

Net Interest Margin (YTD, annualized)

4.12%+23 bps YoY

Efficiency Ratio (YTD, annualized)

71.43%-698 bps YoY

Net Worth / Assets

13.69%+113 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.71%0.74%1.11%0.98%1.11%1.01%1.58%1.50%+52 bps
Return on Equity6.00%6.30%9.18%7.80%8.42%7.78%11.70%10.96%+316 bps
Net Interest Margin3.72%3.86%3.73%3.88%4.06%4.02%4.29%4.12%+23 bps
Efficiency Ratio80.15%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 / Loans0.93%1.30%1.01%1.20%1.64%1.38%0.58%1.64%+45 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.88%11.78%12.06%12.56%13.23%12.99%13.51%13.69%+113 bps
Net Worth / Assets11.88%11.78%12.06%12.56%13.23%12.99%13.51%13.69%+113 bps
Liquidity & Funding
Loans / Shares47.04%44.63%43.55%44.24%46.27%45.73%45.71%50.14%+589 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps