Rockville Centr, NY · Charter 18273
NCUA · 8 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 | 1.09% | 1.06% | 0.84% | 2.18% | 1.87% | 1.63% | 0.76% | 0.82% | -136 bps | |
| Return on Equity | 8.61% | 8.64% | 6.55% | 16.13% | 13.43% | 11.83% | 5.30% | 5.51% | -1,063 bps | |
| Net Interest Margin | 4.68% | 4.41% | 4.36% | 4.41% | 4.48% | 4.34% | 4.32% | 4.44% | +3 bps | |
| Efficiency Ratio | 73.84% | 74.09% | 78.14% | 61.76% | 64.73% | 67.15% | 80.29% | 79.71% | +1,794 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.02% | -6.58% | -4.11% | 0.46% | 3.20% | 1.52% | 0.31% | -2.72% | -318 bps | |
| Loan Growth (YoY) | 0.20% | -1.30% | 0.31% | -0.35% | -0.57% | -1.46% | -2.87% | -3.23% | -288 bps | |
| Share Growth (YoY) | -13.10% | -6.96% | -6.09% | -1.36% | 1.37% | -0.14% | -1.72% | -3.92% | -256 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.14% | 2.05% | 1.87% | 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 | 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 | 12.63% | 12.32% | 12.78% | 13.52% | 13.94% | 13.76% | 14.41% | 14.90% | +138 bps | |
| Net Worth / Assets | 12.63% | 12.32% | 12.78% | 13.52% | 13.94% | 13.76% | 14.41% | 14.90% | +138 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.89% | 72.65% | 74.59% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |