Briarcliff Mano, NY · Charter 23425
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 | -0.34% | -0.27% | -0.27% | -0.03% | 0.73% | 0.62% | -0.08% | 1.22% | +125 bps | |
| Return on Equity | -3.36% | -2.75% | -2.70% | -0.34% | 6.90% | 5.89% | -0.81% | 10.64% | +1,098 bps | |
| Net Interest Margin | 2.22% | 2.16% | 2.21% | 2.36% | 2.45% | 2.48% | 2.54% | 2.84% | +48 bps | |
| Efficiency Ratio | 112.48% | 110.15% | 110.03% | 101.21% | 98.74% | 96.34% | 102.86% | 66.17% | -3,505 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.70% | -2.89% | -1.68% | -0.16% | 2.23% | -1.17% | 4.49% | -2.60% | -244 bps | |
| Loan Growth (YoY) | -7.82% | -9.12% | -9.99% | -12.32% | -10.28% | -9.69% | -9.70% | -9.81% | +251 bps | |
| Share Growth (YoY) | -12.22% | -4.45% | -2.65% | -0.79% | 0.83% | -2.79% | 4.10% | -4.27% | -348 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.48% | 0.61% | 0.37% | 2.82% | 0.72% | 1.38% | 1.74% | 1.34% | -149 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 | 10.24% | 9.77% | 9.87% | 9.91% | 10.54% | 10.51% | 10.08% | 11.44% | +153 bps | |
| Net Worth / Assets | 10.24% | 9.77% | 9.87% | 9.91% | 10.54% | 10.51% | 10.08% | 11.44% | +153 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 43.34% | 39.99% | 39.51% | 38.01% | 38.57% | 37.15% | 34.27% | 35.81% | -220 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |