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Niagara Falls Teachers

Niagara Falls, NY · Charter 98

NCUA · 1 branch

Q2 2026

$13.6MAssets
$4.7MLoans
$11.1MShares
$2.5MNet Worth

Executive Summary

  • Earnings: ROA of 1.09%, down 45 bps year over year; NIM at 4.12%.
  • Asset quality: problem loans at 0.43% of loans (+43 bps YoY).
  • Capital: net worth / assets of 18.43%, up 87 bps from a year ago.
  • Funding: loans stand at 42.62% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.09%-45 bps YoY

Net Interest Margin (YTD, annualized)

4.12%+17 bps YoY

Efficiency Ratio (YTD, annualized)

71.07%+1,285 bps YoY

Net Worth / Assets

18.43%+87 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.91%0.63%1.28%1.54%1.88%1.43%0.71%1.09%-45 bps
Return on Equity5.40%3.73%7.42%8.77%9.77%7.53%3.92%5.90%-287 bps
Net Interest Margin3.29%3.14%3.89%3.95%4.29%4.01%4.30%4.12%+17 bps
Efficiency Ratio68.92%77.25%58.71%58.22%57.67%65.38%74.62%71.07%+1,285 bps
Growth
Asset Growth (YoY)-3.40%-3.61%-4.32%-3.25%-6.23%-3.35%11.56%10.98%+1,423 bps
Loan Growth (YoY)7.78%-2.42%-6.95%-14.80%-17.25%-13.26%7.22%5.01%+1,981 bps
Share Growth (YoY)-4.74%-4.87%-6.27%-5.26%-9.06%-5.78%10.48%9.76%+1,502 bps
Asset Quality
Delinquent Loans / Loans0.03%0.01%0.00%0.00%0.00%0.00%0.00%0.43%+43 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 Capital16.79%16.97%17.31%17.55%19.26%18.99%18.19%18.43%+87 bps
Net Worth / Assets16.79%16.97%17.31%17.55%19.26%18.99%18.19%18.43%+87 bps
Liquidity & Funding
Loans / Shares51.66%48.89%47.44%44.54%47.01%45.00%46.04%42.62%-193 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps