Harrison, NY · Charter 2806
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 | 0.07% | -0.25% | 0.43% | 3.55% | 0.34% | 0.37% | -0.71% | 1.02% | -254 bps | |
| Return on Equity | 0.44% | -1.90% | 3.57% | 23.54% | 1.74% | 2.24% | -5.10% | 5.57% | -1,797 bps | |
| Net Interest Margin | 3.08% | 2.57% | 2.17% | 2.40% | 3.08% | 2.66% | 0.66% | 2.77% | +37 bps | |
| Efficiency Ratio | 97.83% | 109.65% | 80.28% | 90.54% | 88.99% | 86.14% | 207% | 63.19% | -2,735 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -20.62% | -17.96% | -17.24% | -3.68% | -10.51% | -8.62% | -2.37% | -15.71% | -1,202 bps | |
| Loan Growth (YoY) | 1.79% | -1.34% | -9.53% | -12.84% | -7.44% | 1.15% | 8.82% | -1.74% | +1,109 bps | |
| Share Growth (YoY) | -23.89% | -20.41% | -19.41% | -6.43% | -15.12% | -12.39% | -4.70% | -19.01% | -1,258 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.69% | 4.65% | 4.76% | 4.48% | 1.58% | 6.44% | 4.72% | 8.92% | +444 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 | 12.63% | 13.15% | 14.22% | 4.48% | 4.35% | 4.20% | 4.05% | 4.42% | -6 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.33% | 13.04% | 12.02% | 15.10% | 19.46% | 16.45% | 13.98% | 18.30% | +320 bps | |
| Net Worth / Assets | 15.33% | 13.04% | 12.02% | 15.10% | 19.46% | 16.45% | 13.98% | 18.30% | +320 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 37.28% | 29.67% | 24.82% | 29.19% | 40.65% | 34.26% | 28.34% | 35.41% | +622 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |