Roslyn, NY · Charter 22456
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 | 0.74% | 0.80% | 0.63% | 0.72% | 0.76% | 0.85% | 0.87% | 0.86% | +14 bps | |
| Return on Equity | 5.19% | 5.41% | 4.32% | 4.84% | 5.07% | 5.49% | 5.79% | 5.50% | +66 bps | |
| Net Interest Margin | 3.23% | 3.33% | 3.36% | 3.41% | 3.41% | 3.50% | 3.62% | 3.68% | +27 bps | |
| Efficiency Ratio | 78.37% | 76.69% | 79.15% | 78.57% | 78.03% | 76.76% | 76.36% | 76.92% | -165 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.03% | -3.68% | -2.15% | 0.21% | -0.06% | 0.52% | 1.76% | 0.11% | -10 bps | |
| Loan Growth (YoY) | 1.54% | -1.82% | -2.86% | -1.86% | -4.14% | -2.42% | -2.95% | -2.13% | -27 bps | |
| Share Growth (YoY) | -4.19% | -5.16% | -3.33% | -0.58% | -0.99% | -0.37% | 1.05% | -0.89% | -30 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.66% | 0.78% | 0.94% | 0.83% | 0.84% | 1.88% | 1.90% | 2.06% | +123 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 | 14.22% | 14.77% | 14.58% | 14.90% | 14.93% | 15.44% | 15.11% | 15.69% | +79 bps | |
| Net Worth / Assets | 14.22% | 14.77% | 14.58% | 14.90% | 14.93% | 15.44% | 15.11% | 15.69% | +79 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 63.52% | 64.37% | 61.53% | 62.68% | 61.50% | 63.04% | 59.10% | 61.89% | -78 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |