Whitestone, NY · Charter 21630
NCUA · 3 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.61% | 0.63% | 0.52% | 0.91% | 0.78% | +16 bps | |
| Return on Equity | 6.84% | 6.52% | 5.76% | 10.06% | 7.91% | +107 bps | |
| Net Interest Margin | 3.82% | 4.02% | 3.72% | 3.91% | 4.14% | +32 bps | |
| Efficiency Ratio | 83.00% | 83.98% | 84.38% | 79.27% | 83.32% | +32 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.97% | -2.53% | 0.70% | 3.75% | -2.44% | -541 bps | |
| Loan Growth (YoY) | -4.09% | -4.99% | -4.21% | -3.84% | -6.52% | -243 bps | |
| Share Growth (YoY) | 2.98% | -4.28% | -0.18% | 4.24% | -3.54% | -652 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.29% | 0.52% | 0.41% | 0.86% | 0.32% | -97 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.98% | 9.72% | 9.05% | 9.09% | 9.82% | +84 bps | |
| Net Worth / Assets | 8.98% | 9.72% | 9.05% | 9.09% | 9.82% | +84 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 81.83% | 88.29% | 80.47% | 76.69% | 79.31% | -252 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |