Bronx, NY · Charter 24784
NCUA · 1 branch
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 | 11.17% | 9.84% | 8.59% | 9.79% | 7.93% | 3.41% | 2.02% | -0.26% | -1,005 bps | |
| Return on Equity | 43.90% | 37.60% | 33.15% | 32.18% | 23.85% | 10.99% | 6.84% | -0.81% | -3,299 bps | |
| Net Interest Margin | 6.85% | 6.62% | 6.37% | 6.85% | 7.03% | 6.71% | 6.51% | 6.97% | +12 bps | |
| Efficiency Ratio | 36.42% | 37.66% | 44.92% | 47.78% | 54.33% | 64.42% | 81.02% | 83.52% | +3,574 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 53.79% | 31.92% | 31.88% | 2.88% | 0.28% | -1.34% | -5.19% | -6.62% | -950 bps | |
| Loan Growth (YoY) | 21.70% | 27.16% | 16.75% | 7.74% | 1.93% | -1.85% | -6.24% | -4.52% | -1,226 bps | |
| Share Growth (YoY) | 40.32% | 45.46% | 43.45% | 5.12% | 2.15% | 1.57% | -4.18% | -12.40% | -1,753 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.67% | 4.48% | 2.28% | 7.83% | 16.57% | 10.91% | 11.12% | 7.95% | +12 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 | 6.39% | 7.24% | 7.20% | 6.66% | 6.02% | 0.00% | 0.00% | 0.00% | -666 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 25.45% | 26.17% | 25.91% | 30.43% | 33.23% | 31.00% | 29.54% | 31.55% | +112 bps | |
| Net Worth / Assets | 25.45% | 26.17% | 25.91% | 30.43% | 33.23% | 31.00% | 29.54% | 31.55% | +112 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 97.79% | 94.82% | 80.77% | 83.78% | 97.58% | 91.63% | 79.04% | 91.32% | +754 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |