New York, NY · Charter 1343
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 | -1.31% | -1.00% | 0.21% | 0.11% | 0.24% | 0.33% | 0.71% | 0.48% | +37 bps | |
| Return on Equity | -4.26% | -3.35% | 0.71% | 0.36% | 0.82% | 1.14% | 2.46% | 1.58% | +122 bps | |
| Net Interest Margin | 5.21% | 5.27% | 5.63% | 5.72% | 5.79% | 5.90% | 6.20% | 2.80% | -292 bps | |
| Efficiency Ratio | 121.06% | 115.83% | 96.75% | 94.46% | 83.41% | 83.37% | 74.44% | 85.17% | -929 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.08% | -4.01% | -2.52% | 0.69% | 7.64% | 2.61% | 5.17% | 0.19% | -50 bps | |
| Loan Growth (YoY) | 2.39% | 7.21% | 13.12% | 20.42% | 14.85% | 13.86% | 12.79% | 4.28% | -1,615 bps | |
| Share Growth (YoY) | -6.66% | -3.99% | -3.53% | 0.62% | 9.98% | 2.47% | 5.84% | -0.74% | -136 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.87% | 6.51% | 0.00% | 2.00% | 2.39% | 1.72% | 2.38% | 3.22% | +122 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 | 1.80% | 1.76% | 1.22% | 1.43% | 2.50% | 2.69% | 3.19% | 2.58% | +115 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 30.84% | 29.87% | 29.93% | 29.23% | 28.79% | 29.45% | 28.91% | 30.28% | +105 bps | |
| Net Worth / Assets | 30.84% | 29.87% | 29.93% | 29.23% | 28.79% | 29.45% | 28.91% | 30.28% | +105 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 74.45% | 75.52% | 76.01% | 79.63% | 77.74% | 83.91% | 80.99% | 83.66% | +402 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |