Hartsdale, NY · Charter 2346
NCUA · 2 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.64% | 0.29% | 0.13% | 0.02% | 0.12% | 0.13% | 0.36% | -0.15% | -17 bps | |
| Return on Equity | -5.93% | 2.74% | 1.25% | 0.18% | 1.11% | 1.17% | 3.25% | -1.37% | -155 bps | |
| Net Interest Margin | 3.10% | 2.88% | 3.66% | 3.51% | 3.78% | 3.85% | 4.14% | 4.19% | +67 bps | |
| Efficiency Ratio | 114.90% | 91.11% | 96.79% | 95.78% | 93.32% | 94.90% | 90.07% | 98.49% | +270 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.02% | 5.05% | 2.24% | 8.63% | 8.12% | -2.24% | 1.40% | -4.50% | -1,312 bps | |
| Loan Growth (YoY) | 9.86% | 19.81% | 18.55% | 18.14% | 11.92% | -1.34% | -4.92% | -4.48% | -2,263 bps | |
| Share Growth (YoY) | -9.63% | 3.67% | 4.93% | 5.12% | 6.50% | -4.68% | -5.70% | -5.03% | -1,014 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.46% | 0.35% | 0.69% | 1.03% | 2.89% | 3.25% | 1.34% | 1.04% | +1 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 | 10.81% | 10.41% | 10.79% | 10.18% | 10.79% | 10.73% | 11.09% | 10.97% | +79 bps | |
| Net Worth / Assets | 10.81% | 10.41% | 10.79% | 10.18% | 10.79% | 10.73% | 11.09% | 10.97% | +79 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 31.22% | 32.19% | 31.54% | 32.48% | 32.81% | 33.31% | 31.80% | 32.67% | +19 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |