Rockville Centr, NY · Charter 18273
NCUA · 8 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.18% | 1.87% | 1.63% | 0.76% | 0.82% | -136 bps | |
| Return on Equity | 16.13% | 13.43% | 11.83% | 5.30% | 5.51% | -1,063 bps | |
| Net Interest Margin | 4.41% | 4.48% | 4.34% | 4.32% | 4.44% | +3 bps | |
| Efficiency Ratio | 61.76% | 64.73% | 67.15% | 80.29% | 79.71% | +1,794 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.46% | 3.20% | 1.52% | 0.31% | -2.72% | -318 bps | |
| Loan Growth (YoY) | -0.35% | -0.57% | -1.46% | -2.87% | -3.23% | -288 bps | |
| Share Growth (YoY) | -1.36% | 1.37% | -0.14% | -1.72% | -3.92% | -256 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.97% | 2.00% | 2.92% | 1.99% | 1.20% | -77 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.52% | 13.94% | 13.76% | 14.41% | 14.90% | +138 bps | |
| Net Worth / Assets | 13.52% | 13.94% | 13.76% | 14.41% | 14.90% | +138 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 74.46% | 75.42% | 71.69% | 73.72% | 74.99% | +53 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |