Corning, NY · Charter 9604
NCUA · 9 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 | 0.69% | 0.78% | 0.87% | 1.00% | 0.96% | +27 bps | |
| Return on Equity | 6.61% | 7.32% | 8.12% | 9.48% | 8.89% | +228 bps | |
| Net Interest Margin | 3.13% | 3.23% | 3.24% | 3.45% | 3.49% | +36 bps | |
| Efficiency Ratio | 76.71% | 75.40% | 74.31% | 72.38% | 73.50% | -321 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.90% | 7.56% | 7.71% | 8.75% | 6.89% | -102 bps | |
| Loan Growth (YoY) | 6.27% | 6.63% | 6.45% | 5.91% | 5.79% | -47 bps | |
| Share Growth (YoY) | 7.92% | 6.98% | 7.05% | 8.32% | 6.79% | -113 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.35% | 0.33% | 0.53% | 0.29% | 0.44% | +9 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.45% | 10.66% | 10.73% | 10.55% | 10.77% | +32 bps | |
| Net Worth / Assets | 10.45% | 10.66% | 10.73% | 10.55% | 10.77% | +32 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 82.83% | 84.37% | 83.51% | 80.74% | 82.06% | -77 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |