Yonkers, NY · Charter 2819
NCUA · 3 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 | 0.27% | 0.31% | 0.26% | 0.17% | 0.19% | -9 bps | |
| Return on Equity | 1.90% | 2.03% | 1.71% | 1.11% | 1.23% | -67 bps | |
| Net Interest Margin | 1.47% | 1.55% | 1.56% | 1.56% | 1.48% | +1 bps | |
| Efficiency Ratio | 81.26% | 80.33% | 83.38% | 82.45% | 83.93% | +266 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.72% | -4.31% | -4.12% | -3.43% | -2.69% | +203 bps | |
| Loan Growth (YoY) | -10.66% | -1.71% | -8.73% | -9.48% | -8.88% | +179 bps | |
| Share Growth (YoY) | -5.80% | -5.28% | -5.06% | -4.23% | -3.32% | +248 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.61% | 0.68% | 0.68% | 1.32% | 1.19% | -42 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 | 14.43% | 15.06% | 15.20% | 15.14% | 15.03% | +61 bps | |
| Net Worth / Assets | 14.43% | 15.06% | 15.20% | 15.14% | 15.03% | +61 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 5.16% | 6.38% | 6.08% | 5.29% | 4.87% | -30 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |