Woodridge, NY · Charter 1134
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 | -0.29% | -1.61% | -1.20% | -1.43% | -1.53% | -1.71% | 0.90% | -0.33% | +110 bps | |
| Return on Equity | -1.41% | -7.47% | -5.50% | -6.68% | -7.10% | -7.76% | 4.04% | -1.44% | +525 bps | |
| Net Interest Margin | 1.43% | 1.59% | 1.78% | 1.78% | 1.75% | 1.70% | 1.23% | 1.28% | -50 bps | |
| Efficiency Ratio | 196.73% | 192.49% | 165.45% | 167.78% | 181.04% | 194.98% | 266% | 267% | +9,928 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -22.75% | -25.48% | -19.27% | -17.26% | -13.97% | -9.15% | -7.59% | -11.89% | +537 bps | |
| Loan Growth (YoY) | -27.23% | -29.53% | -31.50% | -28.77% | -28.85% | -45.47% | -45.51% | -38.18% | -942 bps | |
| Share Growth (YoY) | -26.57% | -29.35% | -21.61% | -18.97% | -14.82% | -9.67% | -8.32% | -13.83% | +515 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 8.49% | 3.53% | 2.27% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 3.71% | 4.49% | 4.78% | 4.89% | 5.20% | 7.90% | 1.98% | 1.23% | -366 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.77% | 21.56% | 21.79% | 21.47% | 21.56% | 22.03% | 22.41% | 23.20% | +173 bps | |
| Net Worth / Assets | 20.77% | 21.56% | 21.79% | 21.47% | 21.56% | 22.03% | 22.41% | 23.20% | +173 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 26.73% | 26.82% | 25.86% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |