Irving, NY · Charter 24863
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 | 3.84% | 3.60% | 0.14% | 0.33% | 0.51% | 2.19% | -0.38% | 1.09% | +76 bps | |
| Return on Equity | 31.08% | 27.69% | 1.19% | 2.66% | 4.17% | 15.27% | -2.98% | 8.07% | +541 bps | |
| Net Interest Margin | 4.62% | 4.61% | 4.33% | 4.42% | 4.36% | 4.55% | 4.21% | 4.45% | +4 bps | |
| Efficiency Ratio | 65.34% | 66.35% | 91.92% | 92.45% | 90.71% | 74.21% | 94.48% | 82.22% | -1,023 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.88% | 11.05% | 13.74% | 6.86% | 10.86% | 7.02% | 12.36% | 11.42% | +456 bps | |
| Loan Growth (YoY) | 9.64% | 2.92% | 0.43% | 2.76% | 10.21% | 7.68% | 6.52% | 0.70% | -206 bps | |
| Share Growth (YoY) | 4.92% | 9.50% | 13.29% | 8.75% | 11.29% | 5.53% | 12.86% | 11.21% | +246 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.70% | 3.20% | 2.78% | 2.81% | 2.85% | 3.36% | 0.91% | 1.43% | -138 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 | 12.34% | 12.99% | 12.03% | 12.37% | 12.19% | 14.32% | 12.76% | 13.47% | +110 bps | |
| Net Worth / Assets | 12.34% | 12.99% | 12.03% | 12.37% | 12.19% | 14.32% | 12.76% | 13.47% | +110 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.52% | 72.51% | 65.63% | 69.47% | 71.82% | 73.99% | 61.94% | 62.90% | -656 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |