New York, NY · Charter 23958
NCUA · 2 branches
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 | 2.28% | 1.92% | 1.78% | 0.86% | 0.93% | -134 bps | |
| Return on Equity | 12.11% | 10.11% | 9.22% | 4.61% | 5.02% | -708 bps | |
| Net Interest Margin | 5.10% | 5.08% | 5.09% | 4.62% | 4.59% | -51 bps | |
| Efficiency Ratio | 66.05% | 66.69% | 67.94% | 80.38% | 79.30% | +1,325 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.04% | 0.44% | 1.96% | 3.85% | 7.70% | +975 bps | |
| Loan Growth (YoY) | 18.91% | 13.29% | 11.18% | 6.68% | 6.38% | -1,253 bps | |
| Share Growth (YoY) | -4.57% | -2.31% | 0.24% | 4.35% | 8.59% | +1,316 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.95% | 0.94% | 0.96% | 1.14% | 1.02% | +7 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 18.80% | 19.04% | 19.32% | 18.76% | 18.59% | -22 bps | |
| Net Worth / Assets | 18.80% | 19.04% | 19.32% | 18.76% | 18.59% | -22 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 85.76% | 86.64% | 88.96% | 84.39% | 84.01% | -175 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |