New York, NY · Charter 60153
NCUA · 16 branches
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 | 1.00% | 1.12% | 1.10% | 1.62% | 1.40% | +40 bps | |
| Return on Equity | 8.84% | 9.67% | 9.74% | 14.38% | 12.39% | +355 bps | |
| Net Interest Margin | 4.23% | 4.24% | 4.09% | 4.05% | 4.09% | -14 bps | |
| Efficiency Ratio | 69.64% | 66.80% | 66.41% | 62.42% | 61.83% | -781 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.23% | 6.94% | 9.22% | 10.81% | 12.10% | +587 bps | |
| Loan Growth (YoY) | 10.34% | 12.48% | 14.22% | 17.39% | 18.66% | +832 bps | |
| Share Growth (YoY) | 4.19% | 4.86% | 8.86% | 10.11% | 12.04% | +784 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.31% | 1.44% | 1.57% | 1.29% | 1.66% | +35 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 | 11.36% | 11.55% | 11.34% | 11.29% | 11.31% | -4 bps | |
| Net Worth / Assets | 11.36% | 11.55% | 11.34% | 11.29% | 11.31% | -4 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 70.90% | 73.83% | 73.07% | 72.85% | 75.09% | +419 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |