New York, NY · Charter 11380
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 | 1.85% | 1.36% | 2.13% | 9.70% | 5.66% | -0.19% | 2.49% | 1.11% | -859 bps | |
| Return on Equity | 4.21% | 3.03% | 4.73% | 22.27% | 12.43% | -0.49% | 6.35% | 2.81% | -1,946 bps | |
| Net Interest Margin | 4.37% | 5.06% | 5.52% | 13.21% | 12.29% | 4.57% | 5.25% | 3.84% | -937 bps | |
| Efficiency Ratio | 58.73% | 73.68% | 61.37% | 28.88% | 48.78% | 101.71% | 52.57% | 71.07% | +4,219 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.69% | -0.41% | 1.22% | 15.71% | 8.00% | 12.96% | 13.66% | -1.37% | -1,708 bps | |
| Loan Growth (YoY) | -1.92% | 33.48% | 31.98% | 25.31% | 8.82% | -4.39% | 1.58% | 27.58% | +226 bps | |
| Share Growth (YoY) | 1.60% | -2.17% | -0.69% | 18.04% | 4.79% | 25.34% | 27.00% | 5.48% | -1,256 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.19% | 0.67% | 1.30% | 1.56% | 1.21% | 0.37% | 0.78% | 1.17% | -40 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 | 0.41% | 0.36% | 0.49% | -0.39% | 2.58% | 0.38% | 0.53% | 0.33% | +72 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 43.86% | 45.04% | 45.10% | 43.54% | 45.51% | 39.57% | 39.21% | 39.56% | -398 bps | |
| Net Worth / Assets | 43.86% | 45.04% | 45.10% | 43.54% | 45.51% | 39.57% | 39.21% | 39.56% | -398 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 56.78% | 71.75% | 64.18% | 50.51% | 58.96% | 54.73% | 51.34% | 61.09% | +1,058 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |