Mamaroneck, NY · Charter 2800
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 | 0.08% | 0.06% | 0.06% | -0.19% | -0.09% | -0.03% | 0.19% | 0.05% | +24 bps | |
| Return on Equity | 0.51% | 0.36% | 0.39% | -1.19% | -0.52% | -0.15% | 1.15% | 0.31% | +150 bps | |
| Net Interest Margin | 1.51% | 1.60% | 1.69% | 1.82% | 1.98% | 2.05% | 2.12% | 2.17% | +35 bps | |
| Efficiency Ratio | 95.02% | 96.55% | 83.78% | 93.03% | 93.11% | 93.05% | 90.82% | 94.09% | +106 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -15.18% | -13.29% | -12.30% | -13.36% | -13.66% | -11.50% | -9.27% | -6.75% | +661 bps | |
| Loan Growth (YoY) | 0.00% | -8.40% | -12.75% | -11.38% | -4.17% | -9.46% | -12.96% | -16.42% | -504 bps | |
| Share Growth (YoY) | -15.70% | -15.36% | -14.12% | -15.25% | -15.91% | -13.50% | -11.00% | -8.18% | +707 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.04% | 1.08% | 0.95% | 0.05% | 0.02% | 0.01% | 1.23% | 1.18% | +113 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 | 0.73% | 0.67% | 0.46% | 0.15% | 0.16% | 0.17% | 0.19% | 0.44% | +29 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.88% | 15.23% | 15.31% | 15.95% | 17.16% | 17.19% | 16.88% | 17.20% | +126 bps | |
| Net Worth / Assets | 14.88% | 15.23% | 15.31% | 15.95% | 17.16% | 17.19% | 16.88% | 17.20% | +126 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 20.49% | 20.31% | 19.56% | 20.43% | 23.35% | 21.26% | 19.13% | 18.59% | -183 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |