Brooklyn, NY · Charter 20419
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 | -4.48% | 0.00% | -0.28% | -0.20% | -0.42% | -0.31% | -1.62% | 2.06% | +226 bps | |
| Return on Equity | -82.33% | 0.00% | -5.41% | -3.81% | -8.20% | -6.00% | -34.44% | 33.65% | +3,745 bps | |
| Net Interest Margin | 2.95% | 2.93% | 2.60% | 2.12% | 2.44% | 2.68% | 2.86% | 2.91% | +79 bps | |
| Efficiency Ratio | 121.87% | 120.91% | 110.83% | 109.31% | 117.14% | 111.50% | 156.67% | 117.47% | +816 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -21.85% | -20.32% | -3.93% | -0.50% | -2.17% | -3.27% | -2.91% | -1.85% | -135 bps | |
| Loan Growth (YoY) | -46.98% | -41.23% | -39.91% | -42.95% | -49.04% | -60.62% | -68.06% | -66.36% | -2,342 bps | |
| Share Growth (YoY) | -20.00% | -18.86% | -0.54% | -0.03% | -1.81% | -3.13% | -2.41% | -2.81% | -278 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 22.96% | 31.52% | 36.56% | 37.70% | 36.07% | 26.70% | 26.06% | 33.30% | -440 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 | 14.36% | 15.67% | 18.88% | 22.54% | 24.38% | 28.36% | 42.27% | 18.52% | -402 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 5.44% | 5.26% | 5.20% | 5.19% | 5.10% | 5.13% | 4.71% | 6.12% | +92 bps | |
| Net Worth / Assets | 5.44% | 5.26% | 5.20% | 5.19% | 5.10% | 5.13% | 4.71% | 6.12% | +92 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 17.99% | 16.78% | 14.43% | 12.33% | 9.34% | 6.82% | 4.72% | 4.27% | -806 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |