New York, NY · Charter 1059
NCUA · 1 branch
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 | -1.20% | -1.33% | 0.05% | -0.22% | -0.36% | -0.78% | -0.14% | -0.53% | -31 bps | |
| Return on Equity | -9.32% | -10.78% | 0.45% | -1.86% | -2.96% | -6.69% | -1.16% | -4.43% | -257 bps | |
| Net Interest Margin | 3.95% | 3.92% | 3.98% | 3.91% | 4.18% | 4.24% | 4.10% | 4.30% | +40 bps | |
| Efficiency Ratio | 125.56% | 128.70% | 97.29% | 103.04% | 106.52% | 114.06% | 108.30% | 111.66% | +863 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.34% | -1.69% | 4.90% | 1.80% | 0.22% | -1.47% | -7.50% | -9.36% | -1,116 bps | |
| Loan Growth (YoY) | -14.40% | -15.29% | -16.71% | -12.30% | -9.26% | -14.79% | -10.82% | -11.32% | +98 bps | |
| Share Growth (YoY) | -8.21% | -0.54% | 6.83% | 2.69% | 1.04% | -0.75% | -7.69% | -9.67% | -1,236 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.53% | 0.57% | 0.47% | 0.46% | 0.71% | 0.73% | 0.43% | 0.77% | +31 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 | 0.96% | 0.96% | 0.89% | 0.92% | 0.96% | 0.82% | 0.59% | 0.85% | -7 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.92% | 12.32% | 11.85% | 11.69% | 12.18% | 11.72% | 11.97% | 11.93% | +25 bps | |
| Net Worth / Assets | 12.92% | 12.32% | 11.85% | 11.69% | 12.18% | 11.72% | 11.97% | 11.93% | +25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 25.21% | 24.13% | 21.34% | 21.38% | 22.64% | 20.72% | 20.61% | 20.99% | -39 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |