New York, NY · Charter 5127
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 | 4.28% | 2.28% | 123.89% | -0.01% | 43.73% | 34.80% | 1.71% | 3.31% | +332 bps | |
| Return on Equity | 15.79% | 8.48% | 250% | -0.03% | 83.85% | 67.10% | 3.26% | 5.43% | +546 bps | |
| Net Interest Margin | 2.97% | 2.84% | 1.64% | 2.87% | 2.55% | 2.71% | 1.59% | 2.14% | -73 bps | |
| Efficiency Ratio | 33.42% | 58.45% | 3.66% | 100.49% | 12.29% | 13.14% | 69.32% | 75.82% | -2,466 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.25% | 5.47% | 44.20% | 45.46% | 51.64% | 53.02% | 6.42% | -4.96% | -5,042 bps | |
| Loan Growth (YoY) | -12.71% | -6.44% | 24.08% | 89.53% | 36.18% | 41.19% | 6.17% | -6.76% | -9,629 bps | |
| Share Growth (YoY) | 2.31% | 5.22% | -2.94% | -1.97% | -0.12% | 0.75% | 0.25% | -27.26% | -2,529 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.52% | 26.75% | 2.32% | 7.00% | 15.95% | +1,543 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 | 0.84% | 0.83% | 0.63% | 0.52% | 0.62% | 0.59% | 0.60% | 0.55% | +4 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 27.12% | 26.88% | 49.51% | 49.14% | 52.15% | 51.86% | 52.44% | 60.90% | +1,177 bps | |
| Net Worth / Assets | 27.12% | 26.88% | 49.51% | 49.14% | 52.15% | 51.86% | 52.44% | 60.90% | +1,177 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 25.09% | 25.20% | 33.11% | 40.17% | 34.20% | 35.31% | 35.07% | 51.49% | +1,132 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |