Brooklyn, NY · Charter 18823
NCUA · 2 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 | 2.22% | 2.07% | 2.37% | 2.49% | 0.99% | 0.97% | 0.76% | 0.49% | -200 bps | |
| Return on Equity | 6.31% | 5.88% | 5.72% | 5.50% | 2.27% | 2.25% | 1.75% | 1.16% | -435 bps | |
| Net Interest Margin | 3.49% | 3.25% | 3.38% | 3.49% | 2.31% | 2.24% | 1.90% | 1.53% | -197 bps | |
| Efficiency Ratio | 37.58% | 37.32% | 29.99% | 28.69% | 61.35% | 59.81% | 59.85% | 68.10% | +3,941 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.55% | -2.95% | -16.68% | -19.18% | -17.02% | -16.55% | -3.71% | 7.46% | +2,664 bps | |
| Loan Growth (YoY) | -80.83% | -80.02% | -20.84% | -37.68% | -100.00% | -100.00% | -100.00% | -100.00% | -6,232 bps | |
| Share Growth (YoY) | -6.95% | -7.11% | -27.23% | -31.73% | -27.60% | -26.78% | -7.23% | 13.61% | +4,534 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 100.00% | 100.00% | 100.00% | 100.00% | n/a | n/a | n/a | n/a | n/a | |
| 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 | 85.77% | 85.77% | 99.29% | 100.00% | n/a | n/a | n/a | n/a | n/a | |
| Capital | ||||||||||
| Risk-Based Capital | 35.12% | 35.18% | 41.38% | 45.27% | 43.40% | 43.12% | 43.52% | 42.14% | -314 bps | |
| Net Worth / Assets | 35.12% | 35.18% | 41.38% | 45.27% | 43.40% | 43.12% | 43.52% | 42.14% | -314 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 0.28% | 0.28% | 0.30% | 0.28% | 0.00% | 0.00% | 0.00% | 0.00% | -28 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |