Valley Stream, NY · Charter 21831
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 | 0.30% | 0.10% | -0.27% | 0.09% | 0.28% | 0.37% | 0.59% | 0.84% | +76 bps | |
| Return on Equity | 2.72% | 1.00% | -2.71% | 0.91% | 2.69% | 3.61% | 5.88% | 8.45% | +754 bps | |
| Net Interest Margin | 2.96% | 2.89% | 2.54% | 2.71% | 3.05% | 3.09% | 3.53% | 3.72% | +101 bps | |
| Efficiency Ratio | 91.34% | 96.93% | 108.62% | 97.32% | 92.29% | 89.89% | 84.95% | 79.38% | -1,794 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.13% | 0.94% | 2.65% | 1.87% | 2.92% | 3.68% | 4.51% | 4.52% | +265 bps | |
| Loan Growth (YoY) | 0.37% | -0.99% | 1.86% | 0.03% | 1.37% | -2.17% | -5.69% | -4.55% | -458 bps | |
| Share Growth (YoY) | -0.16% | 1.01% | 3.26% | 2.37% | 3.44% | 3.84% | 4.30% | 4.18% | +181 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.01% | 0.10% | 0.07% | 0.14% | 0.14% | 0.07% | 0.06% | 0.22% | +8 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 | 10.94% | 10.33% | 9.84% | 9.69% | 10.42% | 10.22% | 9.98% | 10.00% | +31 bps | |
| Net Worth / Assets | 10.94% | 10.33% | 9.84% | 9.69% | 10.42% | 10.22% | 9.98% | 10.00% | +31 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 15.20% | 14.63% | 13.55% | 13.01% | 14.89% | 13.78% | 12.25% | 11.92% | -109 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |