Westbury, NY · Charter 20341
NCUA · 1 branch
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 | 0.10% | 0.10% | 0.23% | 0.24% | 0.34% | 0.32% | 0.46% | 0.41% | +17 bps | |
| Return on Equity | 0.63% | 0.65% | 1.46% | 1.49% | 2.05% | 1.90% | 2.69% | 2.34% | +86 bps | |
| Net Interest Margin | 0.47% | 0.46% | 0.71% | 0.69% | 0.73% | 0.74% | 0.84% | 0.84% | +15 bps | |
| Efficiency Ratio | 81.86% | 81.25% | 68.31% | 64.76% | 56.69% | 59.24% | 52.39% | 56.45% | -831 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.79% | -0.69% | -0.77% | -1.16% | -2.74% | -3.54% | -4.41% | -5.69% | -453 bps | |
| Loan Growth (YoY) | 2.69% | 0.45% | 0.46% | -0.01% | -5.87% | -6.82% | -3.69% | -13.05% | -1,304 bps | |
| Share Growth (YoY) | -1.14% | -0.71% | -0.92% | -1.40% | -3.53% | -4.73% | -5.59% | -7.12% | -571 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.43% | 0.44% | 0.38% | 0.27% | 0.31% | 0.31% | 0.31% | 0.36% | +9 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 | 15.68% | 15.74% | 15.96% | 16.07% | 16.40% | 16.63% | 17.07% | 17.44% | +138 bps | |
| Net Worth / Assets | 15.68% | 15.74% | 15.96% | 16.07% | 16.40% | 16.63% | 17.07% | 17.44% | +138 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 6.58% | 6.42% | 6.36% | 6.51% | 6.42% | 6.28% | 6.49% | 6.09% | -42 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |