Jamaica, NY · Charter 23658
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.54% | 0.92% | 0.06% | 1.08% | 1.12% | -41 bps | |
| Return on Equity | 5.54% | 3.47% | 0.24% | 4.20% | 4.31% | -123 bps | |
| Net Interest Margin | 4.09% | 3.20% | 2.22% | 2.76% | 3.14% | -95 bps | |
| Efficiency Ratio | 63.35% | 72.07% | 97.33% | 60.93% | 64.90% | +155 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.55% | 5.14% | 2.87% | 3.93% | 5.93% | +238 bps | |
| Loan Growth (YoY) | -36.82% | -38.51% | 8.30% | 25.93% | 139.81% | +17,663 bps | |
| Share Growth (YoY) | 3.37% | 5.79% | 4.25% | 5.38% | 9.31% | +594 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 5.52% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 18.87% | 19.72% | 13.41% | 10.82% | 7.87% | -1,100 bps | |
| Capital | |||||||
| Risk-Based Capital | 27.76% | 26.57% | 26.42% | 25.79% | 26.10% | -166 bps | |
| Net Worth / Assets | 27.76% | 26.57% | 26.42% | 25.79% | 26.10% | -166 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 8.71% | 7.86% | 11.70% | 13.86% | 19.12% | +1,040 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |