Woodridge, NY · Charter 1134
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.43% | -1.53% | -1.71% | 0.90% | -0.33% | +110 bps | |
| Return on Equity | -6.68% | -7.10% | -7.76% | 4.04% | -1.44% | +525 bps | |
| Net Interest Margin | 1.78% | 1.75% | 1.70% | 1.23% | 1.28% | -50 bps | |
| Efficiency Ratio | 167.78% | 181.04% | 194.98% | 266% | 267% | +9,928 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -17.26% | -13.97% | -9.15% | -7.59% | -11.89% | +537 bps | |
| Loan Growth (YoY) | -28.77% | -28.85% | -45.47% | -45.51% | -38.18% | -942 bps | |
| Share Growth (YoY) | -18.97% | -14.82% | -9.67% | -8.32% | -13.83% | +515 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.28% | 2.07% | 1.26% | 1.72% | 1.08% | -119 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.89% | 5.20% | 7.90% | 1.98% | 1.23% | -366 bps | |
| Capital | |||||||
| Risk-Based Capital | 21.47% | 21.56% | 22.03% | 22.41% | 23.20% | +173 bps | |
| Net Worth / Assets | 21.47% | 21.56% | 22.03% | 22.41% | 23.20% | +173 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 24.40% | 22.33% | 16.19% | 15.37% | 17.50% | -690 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |