Spring Valley, NY · Charter 15080
NCUA · 3 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.99% | 0.80% | 0.49% | 0.11% | 0.09% | -90 bps | |
| Return on Equity | 6.30% | 4.89% | 3.00% | 0.70% | 0.55% | -575 bps | |
| Net Interest Margin | 7.26% | 7.45% | 7.47% | 7.15% | 7.09% | -17 bps | |
| Efficiency Ratio | 80.98% | 83.42% | 86.76% | 90.44% | 89.31% | +833 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.34% | -1.30% | -1.45% | -2.36% | -0.88% | +146 bps | |
| Loan Growth (YoY) | -0.15% | -1.76% | -1.57% | -2.29% | -1.71% | -157 bps | |
| Share Growth (YoY) | -2.45% | -2.22% | -2.46% | -3.15% | -1.12% | +133 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.86% | 2.25% | 2.51% | 3.89% | 3.28% | +142 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 | 15.74% | 16.38% | 16.33% | 16.14% | 15.83% | +9 bps | |
| Net Worth / Assets | 15.74% | 16.38% | 16.33% | 16.14% | 15.83% | +9 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 92.46% | 96.85% | 97.77% | 93.99% | 91.91% | -55 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |