PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

N Y Team

Ronkonkoma, NY · Charter 19216

NCUA · 4 branches

Q2 2026

$43.5MAssets
$29.8MLoans
$40.5MShares
$3.1MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.72%, up 38 bps year over year; NIM at 5.19%.
  • Asset quality: problem loans at 0.87% of loans (+15 bps YoY).
  • Capital: net worth / assets of 7.12%, up 56 bps from a year ago.
  • Funding: loans stand at 73.69% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.72%+38 bps YoY

Net Interest Margin (quarter, annualized)

5.19%+22 bps YoY

Efficiency Ratio (quarter, annualized)

81.35%-924 bps YoY

Net Worth / Assets

7.12%+56 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.34%0.43%0.47%0.63%0.72%+38 bps
Return on Equity5.18%6.48%6.96%9.42%10.10%+492 bps
Net Interest Margin4.97%5.02%5.01%4.89%5.19%+22 bps
Efficiency Ratio90.59%88.27%84.08%85.56%81.35%-924 bps
Growth
Asset Growth (YoY)3.58%2.64%5.37%6.00%1.51%-208 bps
Loan Growth (YoY)5.78%20.04%20.49%25.32%21.07%+1,529 bps
Share Growth (YoY)2.60%0.99%5.13%5.87%0.82%-178 bps
Asset Quality
Delinquent Loans / Loans0.71%0.60%0.47%0.41%0.87%+15 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital6.55%6.68%6.75%6.74%7.12%+56 bps
Net Worth / Assets6.55%6.68%6.75%6.74%7.12%+56 bps
Liquidity & Funding
Loans / Shares61.36%67.81%70.06%68.85%73.69%+1,233 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps