Briarcliff Mano, NY · Charter 4441
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 | 0.36% | -0.07% | 0.05% | 0.25% | -0.05% | -40 bps | |
| Return on Equity | 2.28% | -0.47% | 0.31% | 1.59% | -0.30% | -258 bps | |
| Net Interest Margin | 4.26% | 4.43% | 4.58% | 4.73% | 4.60% | +34 bps | |
| Efficiency Ratio | 92.78% | 89.60% | 90.76% | 88.27% | 90.79% | -199 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.27% | 7.90% | 6.90% | 3.83% | -0.49% | -975 bps | |
| Loan Growth (YoY) | 2.79% | 7.80% | 5.30% | 1.62% | 1.06% | -173 bps | |
| Share Growth (YoY) | 10.14% | 9.09% | 8.33% | 4.42% | -0.21% | -1,035 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.00% | 2.85% | 2.80% | 1.89% | 1.26% | -174 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 | 15.64% | 15.61% | 15.99% | 15.91% | 15.56% | -8 bps | |
| Net Worth / Assets | 15.64% | 15.61% | 15.99% | 15.91% | 15.56% | -8 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 42.64% | 45.37% | 45.81% | 42.90% | 43.18% | +54 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |