Melville, NY · Charter 18422
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 | -3.07% | -2.88% | 2.14% | 1.14% | 0.60% | 0.58% | 1.88% | 0.55% | -59 bps | |
| Return on Equity | -14.95% | -13.83% | 9.88% | 5.13% | 2.63% | 2.52% | 7.91% | 2.19% | -294 bps | |
| Net Interest Margin | -0.79% | -0.74% | 4.56% | 3.38% | 2.74% | 3.09% | 3.77% | 2.82% | -56 bps | |
| Efficiency Ratio | n/a | n/a | 53.04% | 66.31% | 78.19% | 81.32% | 49.98% | 80.41% | +1,410 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.21% | -7.99% | -8.76% | -9.80% | -10.10% | -6.71% | -5.71% | -11.16% | -135 bps | |
| Loan Growth (YoY) | -2.05% | -6.95% | -15.40% | -14.95% | -13.05% | -11.37% | -13.68% | -32.34% | -1,739 bps | |
| Share Growth (YoY) | -11.03% | -6.83% | -9.65% | -11.68% | -12.54% | -9.16% | -8.32% | -14.64% | -296 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 0.36% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.54% | 20.84% | 21.65% | 22.20% | 22.70% | 22.92% | 23.82% | 25.25% | +305 bps | |
| Net Worth / Assets | 20.54% | 20.84% | 21.65% | 22.20% | 22.70% | 22.92% | 23.82% | 25.25% | +305 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 25.26% | 23.83% | 23.48% | 25.71% | 25.11% | 23.25% | 22.11% | 20.38% | -533 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |