New York, NY · Charter 20060
NCUA · 3 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 | -3.85% | -2.48% | -14.59% | -12.25% | 3.15% | 0.92% | -7.76% | -6.47% | +577 bps | |
| Return on Equity | -28.19% | -14.81% | -161.34% | -167.42% | 18.08% | 4.62% | -68.40% | -59.78% | +10,764 bps | |
| Net Interest Margin | 0.74% | 0.79% | 0.63% | 0.60% | 0.64% | 0.67% | 0.36% | 0.41% | -19 bps | |
| Efficiency Ratio | 112.96% | 105.90% | 132.22% | 130.57% | 95.27% | 98.85% | 122.07% | 113.74% | -1,684 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.47% | -13.24% | 24.83% | 25.46% | -4.48% | -11.76% | 0.11% | 0.17% | -2,529 bps | |
| Loan Growth (YoY) | -100.00% | 1002% | 8658% | n/a | n/a | 27.06% | 43.19% | 38.29% | n/a | |
| Share Growth (YoY) | 12.27% | 2.81% | 8.27% | 7.66% | 10.99% | 13.18% | 15.87% | -1.32% | -898 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | n/a | 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 | n/a | 2.78% | 3.45% | 4.18% | 7.39% | 2.19% | 2.41% | 3.03% | -116 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.64% | 16.74% | 9.05% | 7.31% | 17.43% | 19.89% | 11.35% | 10.83% | +351 bps | |
| Net Worth / Assets | 13.64% | 16.74% | 9.05% | 7.31% | 17.43% | 19.89% | 11.35% | 10.83% | +351 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 0.00% | 9.90% | 7.59% | 5.91% | 3.05% | 11.12% | 9.38% | 8.28% | +237 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |