New York, NY · Charter 15459
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.30% | 0.04% | -0.59% | -0.37% | 0.20% | 0.35% | 1.14% | 1.24% | +161 bps | |
| Return on Equity | -2.10% | 0.30% | -4.12% | -2.59% | 1.40% | 2.47% | 7.78% | 8.20% | +1,079 bps | |
| Net Interest Margin | 3.86% | 3.86% | 3.28% | 3.52% | 3.78% | 3.68% | 3.90% | 4.22% | +70 bps | |
| Efficiency Ratio | 106.96% | 99.03% | 116.89% | 109.96% | 94.53% | 90.82% | 73.88% | 73.79% | -3,617 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.39% | 4.11% | 6.33% | 1.08% | 1.19% | 4.49% | 2.12% | 3.86% | +278 bps | |
| Loan Growth (YoY) | -4.74% | -4.28% | -5.03% | 5.13% | 0.51% | 4.59% | 9.53% | 12.72% | +759 bps | |
| Share Growth (YoY) | 0.33% | 4.43% | 6.24% | 0.62% | 0.77% | 4.61% | 2.61% | 3.63% | +301 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.29% | 0.06% | 1.60% | 1.83% | 1.72% | 1.69% | 1.37% | 2.38% | +55 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 | 3.37% | 3.54% | 3.48% | 3.48% | 3.35% | 3.39% | 3.18% | 3.09% | -39 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.28% | 14.35% | 14.20% | 14.46% | 14.53% | 14.08% | 14.69% | 15.08% | +62 bps | |
| Net Worth / Assets | 14.28% | 14.35% | 14.20% | 14.46% | 14.53% | 14.08% | 14.69% | 15.08% | +62 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 99.50% | 93.56% | 96.07% | 97.29% | 99.24% | 93.54% | 102.55% | 105.82% | +853 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |