PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

I Am

New York, NY · Charter 24670

NCUA · 1 branch

Q2 2026

$103.2MAssets
$35.7MLoans
$93.0MShares
$12.1MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.44%, down 104 bps year over year; NIM at 4.12%.
  • Asset quality: problem loans at 4.37% of loans (-17 bps YoY).
  • Capital: net worth / assets of 11.76%, down 54 bps from a year ago.
  • Funding: loans stand at 38.40% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.44%-104 bps YoY

Net Interest Margin (quarter, annualized)

4.12%+1 bps YoY

Efficiency Ratio (quarter, annualized)

71.61%+450 bps YoY

Net Worth / Assets

11.76%-54 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.48%1.17%0.87%0.28%0.44%-104 bps
Return on Equity12.05%9.49%7.33%2.40%3.73%-832 bps
Net Interest Margin4.11%4.15%4.03%4.08%4.12%+1 bps
Efficiency Ratio67.11%70.03%68.29%73.53%71.61%+450 bps
Growth
Asset Growth (YoY)5.44%5.87%10.27%8.20%7.13%+169 bps
Loan Growth (YoY)7.43%2.31%-0.89%-3.35%-4.42%-1,185 bps
Share Growth (YoY)3.81%4.52%8.68%7.99%7.54%+372 bps
Asset Quality
Delinquent Loans / Loans4.54%5.09%5.16%3.12%4.37%-17 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.31%12.33%11.84%11.70%11.76%-54 bps
Net Worth / Assets12.31%12.33%11.84%11.70%11.76%-54 bps
Liquidity & Funding
Loans / Shares43.21%42.48%40.48%39.06%38.40%-480 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps