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Auburn Community

Auburn, NY · Charter 988

NCUA · 4 branches

Q2 2026

$126.5MAssets
$40.0MLoans
$108.7MShares
$15.5MNet Worth

Executive Summary

  • Earnings: ROA of 0.99%, up 22 bps year over year; NIM at 3.77%.
  • Asset quality: problem loans at 0.08% of loans (+1 bps YoY).
  • Capital: net worth / assets of 12.28%, up 28 bps from a year ago.
  • Funding: loans stand at 36.85% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.99%+22 bps YoY

Net Interest Margin (YTD, annualized)

3.77%+31 bps YoY

Efficiency Ratio (YTD, annualized)

77.85%-223 bps YoY

Net Worth / Assets

12.28%+28 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.98%0.89%0.50%0.77%0.90%0.93%0.98%0.99%+22 bps
Return on Equity8.41%7.54%4.28%6.38%7.21%7.33%7.96%8.03%+165 bps
Net Interest Margin3.23%3.25%3.36%3.46%3.62%3.66%3.72%3.77%+31 bps
Efficiency Ratio75.00%76.83%84.01%80.09%77.52%77.69%78.14%77.85%-223 bps
Growth
Asset Growth (YoY)-2.71%-2.07%-0.44%-1.65%0.34%1.23%3.97%6.36%+802 bps
Loan Growth (YoY)19.41%17.13%13.90%9.57%6.88%4.14%10.80%14.26%+469 bps
Share Growth (YoY)-3.60%-3.32%-1.15%-2.77%-1.63%0.01%3.55%5.86%+863 bps
Asset Quality
Delinquent Loans / Loans0.21%0.31%0.09%0.07%0.03%0.24%0.11%0.08%+1 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 Capital11.68%11.84%11.76%12.00%12.47%12.62%12.32%12.28%+28 bps
Net Worth / Assets11.68%11.84%11.76%12.00%12.47%12.62%12.32%12.28%+28 bps
Liquidity & Funding
Loans / Shares32.82%33.67%33.34%34.14%35.66%35.06%35.68%36.85%+271 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps