New York, NY · Charter 23177
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 | 3.39% | 3.22% | 1.98% | 2.74% | 3.62% | 1.98% | 3.22% | 0.03% | -271 bps | |
| Return on Equity | 23.54% | 21.55% | 13.17% | 17.27% | 21.09% | 10.69% | 16.66% | 0.17% | -1,710 bps | |
| Net Interest Margin | 5.01% | 4.76% | 8.20% | 6.25% | 5.64% | 5.95% | 4.62% | 4.38% | -188 bps | |
| Efficiency Ratio | 36.26% | 36.66% | 77.41% | 59.64% | 40.80% | 69.44% | 40.91% | 99.39% | +3,975 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -40.85% | -40.59% | -4.04% | -7.29% | -2.76% | -4.34% | -6.42% | -7.33% | -3 bps | |
| Loan Growth (YoY) | 42.35% | -6.85% | -6.52% | -5.94% | -6.38% | -14.70% | -16.93% | -17.42% | -1,148 bps | |
| Share Growth (YoY) | -45.82% | -45.68% | -7.61% | -11.10% | -5.92% | -8.42% | -11.10% | -10.35% | +75 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 13.82% | 13.13% | 13.68% | 14.55% | 14.76% | 15.40% | 17.19% | 18.40% | +384 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.38% | 14.94% | 15.06% | 15.85% | 17.17% | 18.57% | 19.31% | 18.59% | +275 bps | |
| Net Worth / Assets | 14.38% | 14.94% | 15.06% | 15.85% | 17.17% | 18.57% | 19.31% | 18.59% | +275 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 62.65% | 65.62% | 61.53% | 58.02% | 62.35% | 61.12% | 57.49% | 53.44% | -458 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |