Staten Island, NY · Charter 12546
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.85% | 0.86% | 0.94% | 0.83% | 0.94% | 0.54% | -0.25% | 0.25% | -57 bps | |
| Return on Equity | 10.69% | 9.98% | 11.14% | 9.67% | 9.85% | 5.92% | -2.76% | 2.62% | -705 bps | |
| Net Interest Margin | 6.52% | 6.76% | 5.37% | 5.48% | 6.03% | 5.69% | 5.00% | 5.26% | -23 bps | |
| Efficiency Ratio | 73.47% | 74.53% | 81.27% | 81.41% | 80.72% | 86.08% | 88.58% | 90.14% | +873 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.29% | -12.79% | -11.54% | -6.84% | -7.44% | 0.56% | -5.84% | -8.55% | -171 bps | |
| Loan Growth (YoY) | -4.90% | -11.79% | -8.53% | -5.92% | 3.27% | -0.51% | -6.53% | -12.15% | -623 bps | |
| Share Growth (YoY) | -11.33% | -14.52% | -13.29% | -8.20% | -9.00% | -0.02% | -6.60% | -9.52% | -132 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.77% | 0.41% | 0.69% | 0.50% | 0.48% | 0.48% | 0.00% | 0.18% | -32 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 | 1.09% | 1.34% | 1.22% | 1.21% | 1.13% | 1.26% | 1.44% | 1.29% | +9 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.00% | 8.64% | 8.46% | 8.54% | 9.53% | 9.13% | 9.22% | 9.57% | +103 bps | |
| Net Worth / Assets | 8.00% | 8.64% | 8.46% | 8.54% | 9.53% | 9.13% | 9.22% | 9.57% | +103 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 51.41% | 52.37% | 49.51% | 50.28% | 58.34% | 52.11% | 49.55% | 48.82% | -146 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |