PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Grand Central Terminal Employees

New York, NY · Charter 1059

NCUA · 1 branch

Q2 2026

$6.6MAssets
$1.2MLoans
$5.8MShares
$790KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -0.53%, down 31 bps year over year; NIM at 4.30%.
  • Asset quality: problem loans at 0.77% of loans (+31 bps YoY).
  • Capital: net worth / assets of 11.93%, up 25 bps from a year ago.
  • Funding: loans stand at 20.99% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.53%-31 bps YoY

Net Interest Margin (YTD, annualized)

4.30%+40 bps YoY

Efficiency Ratio (YTD, annualized)

111.66%+863 bps YoY

Net Worth / Assets

11.93%+25 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.22%-0.36%-0.78%-0.14%-0.53%-31 bps
Return on Equity-1.86%-2.96%-6.69%-1.16%-4.43%-257 bps
Net Interest Margin3.91%4.18%4.24%4.10%4.30%+40 bps
Efficiency Ratio103.04%106.52%114.06%108.30%111.66%+863 bps
Growth
Asset Growth (YoY)1.80%0.22%-1.47%-7.50%-9.36%-1,116 bps
Loan Growth (YoY)-12.30%-9.26%-14.79%-10.82%-11.32%+98 bps
Share Growth (YoY)2.69%1.04%-0.75%-7.69%-9.67%-1,236 bps
Asset Quality
Delinquent Loans / Loans0.46%0.71%0.73%0.43%0.77%+31 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.92%0.96%0.82%0.59%0.85%-7 bps
Capital
Risk-Based Capital11.69%12.18%11.72%11.97%11.93%+25 bps
Net Worth / Assets11.69%12.18%11.72%11.97%11.93%+25 bps
Liquidity & Funding
Loans / Shares21.38%22.64%20.72%20.61%20.99%-39 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps