Jackson Heights, NY · Charter 24906
NCUA · 3 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 | 2.16% | 2.59% | 6.13% | 3.30% | 1.10% | 1.19% | -0.56% | 0.32% | -298 bps | |
| Return on Equity | 16.52% | 23.14% | 54.88% | 32.51% | 18.53% | 16.16% | -7.94% | 3.64% | -2,886 bps | |
| Net Interest Margin | 9.06% | 7.39% | 8.44% | 7.89% | 5.01% | 6.35% | 7.25% | 8.63% | +74 bps | |
| Efficiency Ratio | 59.92% | 56.54% | 47.65% | 59.94% | 76.76% | 78.41% | 94.45% | 86.70% | +2,676 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 38.00% | 78.97% | 78.95% | 78.28% | 192.55% | 80.79% | 59.70% | 20.89% | -5,739 bps | |
| Loan Growth (YoY) | 166.00% | 130.26% | 92.91% | 55.38% | 42.95% | 27.59% | 19.84% | 18.39% | -3,699 bps | |
| Share Growth (YoY) | 41.83% | 88.68% | 84.77% | 83.66% | 220% | 87.09% | 65.76% | 21.25% | -6,241 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.56% | 20.45% | 5.34% | 8.33% | 10.19% | 7.24% | 5.86% | 5.40% | -294 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 | 4.08% | 4.24% | 4.42% | 4.66% | 4.18% | 2.37% | 2.27% | 2.66% | -200 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.08% | 11.19% | 11.18% | 10.15% | 5.92% | 7.39% | 7.06% | 8.65% | -150 bps | |
| Net Worth / Assets | 13.08% | 11.19% | 11.18% | 10.15% | 5.92% | 7.39% | 7.06% | 8.65% | -150 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 103.46% | 84.26% | 77.70% | 71.89% | 46.27% | 57.47% | 56.17% | 70.20% | -169 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |