Hauppauge, NY · Charter 10023
NCUA · 10 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.27% | -0.25% | -0.06% | 0.09% | 0.16% | 0.26% | 0.50% | 0.60% | +52 bps | |
| Return on Equity | -3.06% | -2.83% | -0.62% | 0.93% | 1.71% | 2.63% | 4.99% | 5.81% | +488 bps | |
| Net Interest Margin | 1.71% | 1.71% | 1.74% | 1.88% | 1.98% | 2.04% | 2.30% | 2.40% | +52 bps | |
| Efficiency Ratio | 97.81% | 96.47% | 87.90% | 83.35% | 81.34% | 79.53% | 74.01% | 72.00% | -1,134 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.37% | 0.70% | -3.00% | -6.36% | -7.50% | -8.08% | -8.49% | -6.49% | -12 bps | |
| Loan Growth (YoY) | -1.53% | -3.25% | -4.80% | -5.37% | -6.47% | -7.48% | -8.11% | -7.81% | -244 bps | |
| Share Growth (YoY) | -2.06% | -2.53% | -1.95% | -3.12% | -1.84% | -3.34% | -6.04% | -5.51% | -239 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.86% | 0.98% | 0.72% | 0.87% | 0.77% | 0.86% | 0.79% | 1.10% | +23 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 | 8.74% | 8.73% | 8.92% | 9.28% | 9.47% | 9.72% | 10.11% | 10.40% | +112 bps | |
| Net Worth / Assets | 8.74% | 8.73% | 8.92% | 9.28% | 9.47% | 9.72% | 10.11% | 10.40% | +112 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 92.20% | 90.82% | 88.20% | 89.47% | 87.85% | 86.93% | 86.25% | 87.28% | -218 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |