New York, NY · Charter 24589
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 | 0.34% | 1.92% | 3.59% | 3.82% | 4.19% | 4.27% | -1.73% | 0.06% | -375 bps | |
| Return on Equity | 1.43% | 7.98% | 14.39% | 15.02% | 15.58% | 15.36% | -6.30% | 0.22% | -1,481 bps | |
| Net Interest Margin | 4.52% | 4.31% | 4.55% | 4.96% | 4.94% | 4.96% | 4.83% | 4.75% | -21 bps | |
| Efficiency Ratio | 92.00% | 78.71% | 68.32% | 66.52% | 64.08% | 63.71% | 112.67% | 96.34% | +2,982 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.87% | -3.97% | 3.74% | 5.20% | 6.78% | 2.16% | 1.99% | -0.55% | -575 bps | |
| Loan Growth (YoY) | 41.70% | 22.85% | 8.50% | 3.88% | 5.10% | 7.28% | 8.36% | 5.61% | +173 bps | |
| Share Growth (YoY) | -2.72% | -10.61% | -0.30% | 1.11% | 5.26% | 6.59% | 6.97% | 2.86% | +176 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.80% | 1.78% | 0.36% | 4.81% | 4.24% | 3.94% | 1.29% | 1.32% | -349 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 | 23.85% | 24.05% | 24.93% | 25.40% | 26.88% | 27.80% | 27.41% | 27.93% | +253 bps | |
| Net Worth / Assets | 23.85% | 24.05% | 24.93% | 25.40% | 26.88% | 27.80% | 27.41% | 27.93% | +253 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 112.88% | 118.75% | 114.39% | 112.79% | 112.71% | 119.51% | 115.87% | 115.80% | +301 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |