Briarcliff Mano, NY · Charter 4441
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.89% | 0.93% | 0.27% | 0.36% | -0.07% | 0.05% | 0.25% | -0.05% | -40 bps | |
| Return on Equity | 5.35% | 5.48% | 1.66% | 2.28% | -0.47% | 0.31% | 1.59% | -0.30% | -258 bps | |
| Net Interest Margin | 4.89% | 4.94% | 4.54% | 4.26% | 4.43% | 4.58% | 4.73% | 4.60% | +34 bps | |
| Efficiency Ratio | 98.09% | 93.65% | 94.80% | 92.78% | 89.60% | 90.76% | 88.27% | 90.79% | -199 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.52% | -4.32% | 2.88% | 9.27% | 7.90% | 6.90% | 3.83% | -0.49% | -975 bps | |
| Loan Growth (YoY) | -6.95% | -5.24% | -4.30% | 2.79% | 7.80% | 5.30% | 1.62% | 1.06% | -173 bps | |
| Share Growth (YoY) | -6.45% | -6.08% | 2.07% | 10.14% | 9.09% | 8.33% | 4.42% | -0.21% | -1,035 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.22% | 2.06% | 3.38% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.64% | 17.04% | 16.47% | 15.64% | 15.61% | 15.99% | 15.91% | 15.56% | -8 bps | |
| Net Worth / Assets | 16.64% | 17.04% | 16.47% | 15.64% | 15.61% | 15.99% | 15.91% | 15.56% | -8 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 45.91% | 47.13% | 44.09% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |