Ronkonkoma, NY · Charter 19216
NCUA · 4 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 | 0.50% | 0.70% | 0.44% | 0.34% | 0.43% | 0.47% | 0.63% | 0.72% | +38 bps | |
| Return on Equity | 7.99% | 10.58% | 6.70% | 5.18% | 6.48% | 6.96% | 9.42% | 10.10% | +492 bps | |
| Net Interest Margin | 4.99% | 5.11% | 4.99% | 4.97% | 5.02% | 5.01% | 4.89% | 5.19% | +22 bps | |
| Efficiency Ratio | 85.32% | 82.28% | 89.79% | 90.59% | 88.27% | 84.08% | 85.56% | 81.35% | -924 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.25% | 0.21% | 1.23% | 3.58% | 2.64% | 5.37% | 6.00% | 1.51% | -208 bps | |
| Loan Growth (YoY) | 7.69% | 14.33% | 8.73% | 5.78% | 20.04% | 20.49% | 25.32% | 21.07% | +1,529 bps | |
| Share Growth (YoY) | -1.99% | -0.94% | 0.01% | 2.60% | 0.99% | 5.13% | 5.87% | 0.82% | -178 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.60% | 0.77% | 0.74% | 0.71% | 0.60% | 0.47% | 0.41% | 0.87% | +15 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 | 6.20% | 6.62% | 6.60% | 6.55% | 6.68% | 6.75% | 6.74% | 7.12% | +56 bps | |
| Net Worth / Assets | 6.20% | 6.62% | 6.60% | 6.55% | 6.68% | 6.75% | 6.74% | 7.12% | +56 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 57.05% | 61.13% | 58.17% | 61.36% | 67.81% | 70.06% | 68.85% | 73.69% | +1,233 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |