Port Washington, NY · Charter 18635
NCUA · 1 branch
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 | 1.75% | 1.39% | 1.81% | 1.99% | 2.00% | 1.97% | 2.53% | 2.17% | +19 bps | |
| Return on Equity | 10.26% | 8.67% | 11.23% | 12.37% | 12.03% | 12.05% | 15.79% | 14.20% | +183 bps | |
| Net Interest Margin | 2.65% | 2.53% | 2.93% | 2.86% | 2.87% | 2.85% | 3.13% | 2.84% | -2 bps | |
| Efficiency Ratio | 44.10% | 52.70% | 44.29% | 36.60% | 36.61% | 38.25% | 31.01% | 32.39% | -421 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 40.87% | 25.95% | 21.76% | 23.21% | 13.76% | 11.55% | 15.83% | 20.35% | -286 bps | |
| Loan Growth (YoY) | 39.70% | 31.16% | 37.53% | 28.40% | 13.95% | 19.45% | 20.35% | 33.66% | +526 bps | |
| Share Growth (YoY) | 38.60% | 31.98% | 24.24% | 25.80% | 14.31% | 11.15% | 16.01% | 21.41% | -439 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.24% | 5.99% | 4.33% | 5.28% | 7.52% | 5.31% | 5.08% | 4.28% | -100 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 | 17.05% | 16.08% | 16.13% | 16.05% | 16.65% | 16.39% | 16.02% | 15.31% | -74 bps | |
| Net Worth / Assets | 17.05% | 16.08% | 16.13% | 16.05% | 16.65% | 16.39% | 16.02% | 15.31% | -74 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 98.44% | 98.68% | 103.44% | 98.14% | 98.13% | 106.06% | 107.31% | 108.05% | +990 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |