Flushing, NY · Charter 119
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 | -0.84% | -1.02% | -0.77% | -0.57% | -0.57% | +27 bps | |
| Return on Equity | -4.48% | -5.43% | -4.05% | -3.02% | -2.81% | +166 bps | |
| Net Interest Margin | 0.36% | 0.48% | 0.76% | 0.91% | 0.93% | +56 bps | |
| Efficiency Ratio | 162.91% | 200% | 162.05% | 178.26% | 159.23% | -367 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.41% | -6.16% | -5.37% | -5.04% | -9.99% | -758 bps | |
| Loan Growth (YoY) | -14.78% | -16.90% | -17.67% | -12.46% | -12.00% | +278 bps | |
| Share Growth (YoY) | -1.22% | -2.74% | -4.75% | -8.13% | -12.69% | -1,147 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.94% | 1.20% | 6.64% | 0.95% | 6.65% | +571 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 18.80% | 18.79% | 18.98% | 19.04% | 20.24% | +144 bps | |
| Net Worth / Assets | 18.80% | 18.79% | 18.98% | 19.04% | 20.24% | +144 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 13.95% | 13.60% | 13.71% | 13.40% | 14.06% | +11 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |