Bronx, NY · Charter 20585
NCUA · 2 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 | 2.04% | -0.99% | 4.15% | 3.01% | 2.48% | 0.11% | 1.53% | 2.52% | -49 bps | |
| Return on Equity | 4.86% | -2.93% | 11.90% | 9.50% | 7.30% | 0.33% | 4.53% | 7.36% | -214 bps | |
| Net Interest Margin | 7.62% | 3.78% | 8.66% | 7.14% | 7.20% | 5.12% | 6.37% | 6.86% | -28 bps | |
| Efficiency Ratio | 73.64% | 123.47% | 52.14% | 58.20% | 65.99% | 98.04% | 76.46% | 64.29% | +609 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -24.54% | -2.65% | -3.86% | 17.31% | 22.37% | 2.27% | 1.62% | -8.04% | -2,535 bps | |
| Loan Growth (YoY) | -4.79% | 11.02% | 22.96% | 25.09% | 28.29% | 0.05% | 5.37% | -2.44% | -2,753 bps | |
| Share Growth (YoY) | -35.93% | -2.44% | -5.21% | 28.32% | 39.28% | 3.76% | 3.34% | -11.41% | -3,973 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 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 | 0.13% | 0.12% | 0.11% | 0.11% | 0.10% | 0.00% | 0.11% | 0.11% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 42.00% | 33.68% | 34.90% | 31.70% | 33.99% | 33.04% | 33.80% | 34.20% | +250 bps | |
| Net Worth / Assets | 42.00% | 33.68% | 34.90% | 31.70% | 33.99% | 33.04% | 33.80% | 34.20% | +250 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 153.40% | 138.09% | 140.84% | 122.25% | 141.30% | 133.15% | 143.61% | 134.62% | +1,238 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |