PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Rockland Employees

Spring Valley, NY · Charter 15080

NCUA · 3 branches

Q2 2026

$54.9MAssets
$41.9MLoans
$45.6MShares
$8.7MNet Worth

Executive Summary

  • Earnings: ROA of 0.09%, down 90 bps year over year; NIM at 7.09%.
  • Asset quality: problem loans at 3.28% of loans (+142 bps YoY).
  • Capital: net worth / assets of 15.83%, up 9 bps from a year ago.
  • Funding: loans stand at 91.91% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.09%-90 bps YoY

Net Interest Margin (YTD, annualized)

7.09%-17 bps YoY

Efficiency Ratio (YTD, annualized)

89.31%+833 bps YoY

Net Worth / Assets

15.83%+9 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.20%0.77%0.89%0.99%0.80%0.49%0.11%0.09%-90 bps
Return on Equity7.62%4.94%5.72%6.30%4.89%3.00%0.70%0.55%-575 bps
Net Interest Margin7.37%7.43%7.12%7.26%7.45%7.47%7.15%7.09%-17 bps
Efficiency Ratio77.47%81.41%81.91%80.98%83.42%86.76%90.44%89.31%+833 bps
Growth
Asset Growth (YoY)-5.19%-3.56%-2.14%-2.34%-1.30%-1.45%-2.36%-0.88%+146 bps
Loan Growth (YoY)5.15%2.49%1.25%-0.15%-1.76%-1.57%-2.29%-1.71%-157 bps
Share Growth (YoY)-6.30%-3.65%-2.13%-2.45%-2.22%-2.46%-3.15%-1.12%+133 bps
Asset Quality
Delinquent Loans / Loans3.92%3.64%2.93%1.86%2.25%2.51%3.89%3.28%+142 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital15.78%15.68%15.55%15.74%16.38%16.33%16.14%15.83%+9 bps
Net Worth / Assets15.78%15.68%15.55%15.74%16.38%16.33%16.14%15.83%+9 bps
Liquidity & Funding
Loans / Shares96.40%96.89%93.17%92.46%96.85%97.77%93.99%91.91%-55 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps