New York, NY · Charter 15358
NCUA · 5 branches
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 | 0.52% | 0.53% | 0.19% | 0.51% | 0.72% | 0.68% | 0.22% | -0.11% | -61 bps | |
| Return on Equity | 5.63% | 5.89% | 2.19% | 5.53% | 7.66% | 7.22% | 2.29% | -1.15% | -668 bps | |
| Net Interest Margin | 2.44% | 2.31% | 2.37% | 2.50% | 2.52% | 2.47% | 2.29% | 2.36% | -14 bps | |
| Efficiency Ratio | 79.70% | 79.25% | 87.85% | 80.49% | 75.36% | 75.44% | 88.87% | 81.20% | +71 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.05% | 5.77% | 6.70% | 6.87% | 6.28% | 2.65% | 0.94% | 0.62% | -625 bps | |
| Loan Growth (YoY) | -0.37% | -1.51% | -3.10% | -4.92% | -5.00% | -5.35% | -5.58% | -4.72% | +20 bps | |
| Share Growth (YoY) | 2.97% | 5.90% | 6.68% | 6.74% | 5.65% | 1.34% | -0.05% | -0.05% | -680 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.32% | 0.22% | 0.30% | 0.23% | 2.67% | 2.64% | 2.57% | 2.64% | +241 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.22% | 9.03% | 8.87% | 9.14% | 9.36% | 9.49% | 9.48% | 9.47% | +33 bps | |
| Net Worth / Assets | 9.22% | 9.03% | 8.87% | 9.14% | 9.36% | 9.49% | 9.48% | 9.47% | +33 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.19% | 74.36% | 71.61% | 70.89% | 70.31% | 69.45% | 67.66% | 67.58% | -331 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |