Westbury, NY · Charter 2760
NCUA · 21 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.59% | 0.64% | 0.60% | 0.74% | 0.74% | +15 bps | |
| Return on Equity | 6.36% | 6.67% | 6.29% | 7.65% | 7.59% | +123 bps | |
| Net Interest Margin | 2.85% | 2.95% | 2.99% | 2.99% | 3.05% | +20 bps | |
| Efficiency Ratio | 67.91% | 66.37% | 66.58% | 65.76% | 65.06% | -285 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.71% | -2.64% | -1.27% | 0.47% | 0.66% | -105 bps | |
| Loan Growth (YoY) | 2.06% | -1.15% | -2.33% | -0.99% | 0.73% | -133 bps | |
| Share Growth (YoY) | 4.46% | -0.39% | -0.87% | 1.85% | 2.32% | -214 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.27% | 1.22% | 1.33% | 1.23% | 1.28% | +1 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.31% | 9.61% | 9.60% | 9.66% | 9.79% | +48 bps | |
| Net Worth / Assets | 9.31% | 9.61% | 9.60% | 9.66% | 9.79% | +48 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 90.15% | 90.79% | 89.69% | 87.87% | 88.75% | -141 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |