PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Empirt 207

New York, NY · Charter 1343

NCUA · 1 branch

Q2 2026

$3.6MAssets
$2.1MLoans
$2.5MShares
$1.1MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.48%, up 37 bps year over year; NIM at 2.80%.
  • Asset quality: problem loans at 3.22% of loans (+122 bps YoY).
  • Capital: net worth / assets of 30.28%, up 105 bps from a year ago.
  • Funding: loans stand at 83.66% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.48%+37 bps YoY

Net Interest Margin (YTD, annualized)

2.80%-292 bps YoY

Efficiency Ratio (YTD, annualized)

85.17%-929 bps YoY

Net Worth / Assets

30.28%+105 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.11%0.24%0.33%0.71%0.48%+37 bps
Return on Equity0.36%0.82%1.14%2.46%1.58%+122 bps
Net Interest Margin5.72%5.79%5.90%6.20%2.80%-292 bps
Efficiency Ratio94.46%83.41%83.37%74.44%85.17%-929 bps
Growth
Asset Growth (YoY)0.69%7.64%2.61%5.17%0.19%-50 bps
Loan Growth (YoY)20.42%14.85%13.86%12.79%4.28%-1,615 bps
Share Growth (YoY)0.62%9.98%2.47%5.84%-0.74%-136 bps
Asset Quality
Delinquent Loans / Loans2.00%2.39%1.72%2.38%3.22%+122 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.43%2.50%2.69%3.19%2.58%+115 bps
Capital
Risk-Based Capital29.23%28.79%29.45%28.91%30.28%+105 bps
Net Worth / Assets29.23%28.79%29.45%28.91%30.28%+105 bps
Liquidity & Funding
Loans / Shares79.63%77.74%83.91%80.99%83.66%+402 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps