Staten Island, NY · Charter 20336
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.15% | 0.12% | -2.45% | -1.86% | -3.04% | -3.57% | 0.47% | -2.36% | -50 bps | |
| Return on Equity | 0.88% | 0.69% | -14.61% | -10.69% | -18.34% | -23.26% | 2.96% | -15.94% | -525 bps | |
| Net Interest Margin | 5.51% | 5.72% | 4.46% | 4.57% | 4.61% | 4.63% | 5.21% | 5.72% | +115 bps | |
| Efficiency Ratio | 82.66% | 84.27% | 116.39% | 113.59% | 139.26% | 128.19% | 93.54% | 88.79% | -2,480 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.95% | -12.85% | -8.10% | -8.69% | -11.25% | -5.88% | -8.46% | -5.86% | +283 bps | |
| Loan Growth (YoY) | -13.48% | -16.83% | -18.11% | -17.96% | -19.79% | -21.48% | -22.74% | -20.85% | -288 bps | |
| Share Growth (YoY) | -9.51% | -12.46% | -8.79% | -6.33% | -9.96% | -3.55% | -7.40% | -6.51% | -18 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.31% | 4.76% | 5.43% | 5.82% | 8.01% | 5.75% | 7.29% | 7.22% | +140 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 | 16.72% | 17.79% | 16.78% | 17.42% | 16.57% | 15.34% | 15.74% | 14.83% | -259 bps | |
| Net Worth / Assets | 16.72% | 17.79% | 16.78% | 17.42% | 16.57% | 15.34% | 15.74% | 14.83% | -259 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.60% | 72.46% | 68.58% | 66.88% | 64.67% | 58.98% | 57.22% | 56.62% | -1,026 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |