Hauppauge, NY · Charter 2782
NCUA · 1 branch
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 | 1.73% | 1.91% | 1.73% | 1.33% | 1.08% | -65 bps | |
| Return on Equity | 13.64% | 13.73% | 12.39% | 9.28% | 7.70% | -594 bps | |
| Net Interest Margin | 4.45% | 4.70% | 4.52% | 4.21% | 4.07% | -38 bps | |
| Efficiency Ratio | 65.52% | 63.90% | 66.05% | 71.75% | 76.24% | +1,072 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.95% | -5.10% | 0.39% | -3.57% | -0.33% | -128 bps | |
| Loan Growth (YoY) | 5.48% | 0.62% | -7.82% | -11.46% | -13.21% | -1,869 bps | |
| Share Growth (YoY) | -0.81% | -7.73% | -1.53% | -5.88% | -2.07% | -126 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.52% | 0.66% | 0.00% | 0.00% | 0.32% | -20 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 | 12.68% | 13.88% | 13.93% | 14.31% | 14.08% | +139 bps | |
| Net Worth / Assets | 12.68% | 13.88% | 13.93% | 14.31% | 14.08% | +139 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 20.20% | 20.70% | 19.61% | 18.83% | 17.91% | -230 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |