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Eastern Operating Engineers

Whitestone, NY · Charter 21630

NCUA · 3 branches

Q2 2026

$88.6MAssets
$60.2MLoans
$75.9MShares
$8.7MNet Worth

Executive Summary

  • Earnings: ROA of 0.78%, up 16 bps year over year; NIM at 4.14%.
  • Asset quality: problem loans at 0.32% of loans (-97 bps YoY).
  • Capital: net worth / assets of 9.82%, up 84 bps from a year ago.
  • Funding: loans stand at 79.31% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.78%+16 bps YoY

Net Interest Margin (YTD, annualized)

4.14%+32 bps YoY

Efficiency Ratio (YTD, annualized)

83.32%+32 bps YoY

Net Worth / Assets

9.82%+84 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.66%0.38%0.78%0.61%0.63%0.52%0.91%0.78%+16 bps
Return on Equity7.22%4.44%8.75%6.84%6.52%5.76%10.06%7.91%+107 bps
Net Interest Margin3.57%3.21%3.85%3.82%4.02%3.72%3.91%4.14%+32 bps
Efficiency Ratio83.42%88.43%82.17%83.00%83.98%84.38%79.27%83.32%+32 bps
Growth
Asset Growth (YoY)14.00%20.19%14.40%2.97%-2.53%0.70%3.75%-2.44%-541 bps
Loan Growth (YoY)5.75%2.68%-3.18%-4.09%-4.99%-4.21%-3.84%-6.52%-243 bps
Share Growth (YoY)15.92%22.35%23.26%2.98%-4.28%-0.18%4.24%-3.54%-652 bps
Asset Quality
Delinquent Loans / Loans0.23%0.21%0.28%1.29%0.52%0.41%0.86%0.32%-97 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.11%8.59%8.86%8.98%9.72%9.05%9.09%9.82%+84 bps
Net Worth / Assets9.11%8.59%8.86%8.98%9.72%9.05%9.09%9.82%+84 bps
Liquidity & Funding
Loans / Shares88.95%83.86%83.13%81.83%88.29%80.47%76.69%79.31%-252 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps