Far Rockaway, NY · Charter 4246
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 | -4.25% | -3.26% | -2.74% | -4.58% | -5.64% | -5.30% | -27.16% | -16.46% | -1,189 bps | |
| Return on Equity | -12.59% | -8.83% | -9.06% | -15.23% | -21.21% | -18.06% | -124.86% | -76.04% | -6,082 bps | |
| Net Interest Margin | 12.35% | 11.61% | 9.23% | 9.05% | 8.05% | 8.55% | 5.83% | 6.39% | -267 bps | |
| Efficiency Ratio | 91.93% | 94.35% | 128.74% | 149.08% | 167.64% | 158.32% | 249% | 213% | +6,394 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -25.82% | -26.31% | -15.44% | -12.83% | 10.20% | -1.44% | -4.73% | -4.23% | +860 bps | |
| Loan Growth (YoY) | -28.72% | -34.51% | -23.58% | -24.42% | -20.60% | -22.41% | -25.10% | -25.43% | -101 bps | |
| Share Growth (YoY) | -32.09% | -36.27% | -14.26% | -13.74% | 22.21% | 10.46% | 6.88% | 7.29% | +2,103 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.06% | 6.04% | 16.87% | 19.05% | 18.15% | 26.23% | 24.80% | 23.66% | +461 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 | 9.40% | 9.38% | 9.41% | 11.38% | 11.84% | 12.09% | 13.11% | 16.27% | +489 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 33.79% | 36.97% | 30.25% | 30.06% | 26.57% | 29.35% | 21.75% | 21.65% | -841 bps | |
| Net Worth / Assets | 33.79% | 36.97% | 30.25% | 30.06% | 26.57% | 29.35% | 21.75% | 21.65% | -841 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.01% | 84.92% | 74.40% | 62.27% | 52.64% | 59.65% | 52.14% | 43.28% | -1,899 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |