Lynbrook, NY · Charter 24270
NCUA · 2 branches
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 | 0.97% | 0.97% | 2.78% | 1.67% | 1.49% | 1.55% | 0.49% | 0.91% | -76 bps | |
| Return on Equity | 6.06% | 6.00% | 17.00% | 10.01% | 8.96% | 8.26% | 2.59% | 4.82% | -519 bps | |
| Net Interest Margin | 1.57% | 1.56% | 4.79% | 3.04% | 2.54% | 2.56% | 0.99% | 1.50% | -154 bps | |
| Efficiency Ratio | 38.43% | 38.29% | 42.07% | 45.02% | 41.24% | 39.46% | 51.04% | 39.10% | -591 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.42% | 2.97% | 2.42% | 0.01% | 1.68% | -9.27% | -8.81% | -6.44% | -645 bps | |
| Loan Growth (YoY) | 15.84% | 11.85% | -19.15% | 2.34% | -7.30% | 2.94% | 41.62% | 10.78% | +845 bps | |
| Share Growth (YoY) | 1.81% | 2.34% | 1.69% | -1.29% | 0.92% | -12.17% | -11.51% | -8.96% | -767 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 | 10.61% | 11.58% | 14.16% | 11.54% | 11.45% | 11.25% | 10.00% | 10.42% | -112 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.01% | 16.10% | 16.33% | 16.71% | 16.64% | 18.78% | 18.81% | 18.95% | +224 bps | |
| Net Worth / Assets | 16.01% | 16.10% | 16.33% | 16.71% | 16.64% | 18.78% | 18.81% | 18.95% | +224 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.66% | 80.55% | 66.10% | 82.74% | 81.44% | 94.41% | 105.79% | 100.67% | +1,794 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |