Yonkers, NY · Charter 16360
NCUA · 6 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 | 0.06% | 0.14% | 0.43% | 0.50% | 0.61% | 0.60% | 0.57% | 0.60% | +10 bps | |
| Return on Equity | 0.50% | 1.14% | 3.48% | 4.08% | 4.92% | 4.88% | 4.66% | 4.91% | +83 bps | |
| Net Interest Margin | 1.61% | 1.69% | 2.02% | 2.05% | 2.12% | 2.14% | 2.41% | 2.40% | +35 bps | |
| Efficiency Ratio | 96.19% | 92.19% | 80.79% | 77.80% | 74.17% | 74.26% | 74.56% | 71.20% | -660 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.09% | 2.47% | 4.27% | 4.50% | 5.17% | 6.28% | 5.07% | 5.36% | +86 bps | |
| Loan Growth (YoY) | 5.72% | 6.93% | 8.44% | 9.32% | 10.59% | 9.99% | 10.10% | 7.16% | -216 bps | |
| Share Growth (YoY) | 1.22% | 2.63% | 4.54% | 4.71% | 5.16% | 6.44% | 4.95% | 5.33% | +62 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.47% | 1.19% | 1.38% | 1.91% | 2.14% | 1.95% | 1.54% | 2.19% | +28 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 | 12.61% | 12.48% | 12.35% | 12.34% | 12.42% | 12.22% | 12.28% | 12.25% | -9 bps | |
| Net Worth / Assets | 12.61% | 12.48% | 12.35% | 12.34% | 12.42% | 12.22% | 12.28% | 12.25% | -9 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.05% | 77.42% | 77.05% | 79.44% | 81.03% | 80.00% | 80.83% | 80.82% | +138 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |