Melville, NY · Charter 20857
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 | -1.84% | -1.77% | -0.25% | -0.81% | -1.05% | -1.35% | -2.93% | -3.11% | -230 bps | |
| Return on Equity | -17.12% | -16.10% | -2.26% | -7.42% | -9.59% | -12.49% | -29.16% | -32.40% | -2,498 bps | |
| Net Interest Margin | 2.93% | 3.20% | 2.92% | 3.50% | 3.33% | 3.31% | 2.35% | 2.65% | -84 bps | |
| Efficiency Ratio | 146.13% | 143.31% | 117.64% | 113.04% | 126.77% | 135.32% | 194.72% | 180.74% | +6,770 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -13.79% | -17.38% | -12.35% | -12.30% | -13.14% | -10.34% | -9.83% | -10.65% | +165 bps | |
| Loan Growth (YoY) | -20.46% | -21.73% | -21.13% | -21.91% | -20.08% | -18.11% | -18.44% | -17.07% | +484 bps | |
| Share Growth (YoY) | -15.18% | -18.83% | -13.81% | -12.55% | -13.84% | -10.74% | -9.49% | -9.79% | +277 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.72% | 1.85% | 2.28% | 1.68% | 1.21% | 1.99% | 0.66% | 0.50% | -119 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 | 10.73% | 10.97% | 10.98% | 10.94% | 10.91% | 10.80% | 10.05% | 9.61% | -133 bps | |
| Net Worth / Assets | 10.73% | 10.97% | 10.98% | 10.94% | 10.91% | 10.80% | 10.05% | 9.61% | -133 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 96.89% | 96.44% | 91.06% | 90.40% | 89.88% | 88.48% | 82.06% | 83.10% | -730 bps | |
| Liquid Assets / Assets | 0.00% | 100.00% | 99.54% | 0.00% | 100.11% | 100.11% | 100.00% | 100.00% | +10,000 bps | |