White Plains, NY · Charter 16790
NCUA · 3 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 | -2.91% | -4.12% | -10.05% | -6.54% | -3.91% | -4.25% | -4.04% | -1.21% | +532 bps | |
| Return on Equity | -10.50% | -15.09% | -39.48% | -25.68% | -14.67% | -15.30% | -13.73% | -4.17% | +2,150 bps | |
| Net Interest Margin | 5.19% | 5.47% | 4.01% | 3.52% | 3.65% | 3.87% | 2.96% | 4.10% | +58 bps | |
| Efficiency Ratio | 102.72% | 130.90% | 139.55% | 147.26% | 118.09% | 133.54% | 217% | 126.42% | -2,084 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -13.89% | -18.56% | -4.92% | -3.03% | -4.48% | -7.02% | -19.49% | -15.71% | -1,268 bps | |
| Loan Growth (YoY) | -22.92% | -28.54% | -30.34% | -13.61% | -9.54% | -28.74% | -32.41% | 0.97% | +1,458 bps | |
| Share Growth (YoY) | -16.04% | -20.43% | -3.59% | -0.57% | -3.02% | -7.63% | -23.80% | -19.80% | -1,923 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 35.37% | 24.25% | 21.36% | 18.30% | 19.79% | 17.90% | 21.23% | 4.08% | -1,423 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 | 8.35% | 7.88% | 9.70% | 10.46% | 11.01% | 13.88% | 17.70% | 11.72% | +126 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 27.75% | 27.29% | 25.46% | 25.46% | 26.65% | 27.77% | 29.45% | 29.07% | +362 bps | |
| Net Worth / Assets | 27.75% | 27.29% | 25.46% | 25.46% | 26.65% | 27.77% | 29.45% | 29.07% | +362 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 31.18% | 34.47% | 28.38% | 29.27% | 29.09% | 26.59% | 25.17% | 36.86% | +758 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |