New York, NY · Charter 5655
NCUA · 1 branch
Q3 2025
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 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.00% | 1.77% | 1.41% | 1.69% | 1.42% | 7.41% | 2.58% | 0.00% | -169 bps | |
| Return on Equity | 4.44% | 6.23% | 4.98% | 5.37% | 4.60% | 23.26% | 9.22% | 0.00% | -537 bps | |
| Net Interest Margin | 1.90% | 2.64% | 2.91% | 3.00% | 3.03% | 9.07% | 5.77% | 0.00% | -300 bps | |
| Efficiency Ratio | 52.46% | 37.12% | 55.05% | 46.95% | 56.38% | 19.39% | 55.22% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.51% | -23.25% | -22.94% | -17.73% | -19.02% | 3.51% | -4.33% | -98.84% | -8,111 bps | |
| Loan Growth (YoY) | 1942% | 2646% | 1924% | -31.55% | -34.78% | -36.64% | -100.00% | -100.00% | -6,845 bps | |
| Share Growth (YoY) | -5.60% | -29.08% | -29.36% | -24.88% | -24.97% | 1.93% | -3.85% | -100.00% | -7,512 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | n/a | n/a | n/a | |
| 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 | 3.07% | 3.12% | 3.10% | 3.11% | 3.12% | 3.15% | n/a | n/a | n/a | |
| Capital | ||||||||||
| Risk-Based Capital | 22.65% | 28.32% | 28.37% | 31.53% | 30.85% | 31.85% | 28.01% | 100.00% | +6,847 bps | |
| Net Worth / Assets | 22.65% | 28.32% | 28.37% | 31.53% | 30.85% | 31.85% | 28.01% | 100.00% | +6,847 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 10.25% | 12.20% | 11.05% | 9.89% | 8.91% | 7.58% | 0.00% | n/a | n/a | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |