New York, NY · Charter 7172
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 | 0.97% | 1.15% | -0.02% | 0.74% | 0.83% | 0.69% | 1.21% | 3.37% | +263 bps | |
| Return on Equity | 3.01% | 3.47% | -0.07% | 2.21% | 2.47% | 2.04% | 3.57% | 9.50% | +729 bps | |
| Net Interest Margin | 1.89% | 2.11% | 1.44% | 1.97% | 1.90% | 1.72% | 2.10% | 4.61% | +264 bps | |
| Efficiency Ratio | 49.68% | 46.36% | 101.67% | 62.77% | 56.90% | 60.50% | 42.43% | 27.59% | -3,518 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.13% | -2.96% | -3.06% | -3.84% | -1.43% | 0.11% | 0.26% | -0.05% | +379 bps | |
| Loan Growth (YoY) | -17.68% | -20.75% | -23.46% | -12.30% | -6.41% | 119.59% | 96.93% | 111.64% | +12,394 bps | |
| Share Growth (YoY) | -4.07% | -6.08% | -5.96% | -7.05% | -3.59% | -0.90% | -1.17% | -3.28% | +377 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 18.80% | 26.07% | 23.65% | 23.65% | 23.92% | 10.93% | 11.49% | 10.67% | -1,298 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 | 28.81% | 31.26% | 29.53% | 29.53% | 31.03% | 14.23% | 15.00% | 13.95% | -1,558 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 32.07% | 33.17% | 33.13% | 33.43% | 33.57% | 33.82% | 34.04% | 35.45% | +202 bps | |
| Net Worth / Assets | 32.07% | 33.17% | 33.13% | 33.43% | 33.57% | 33.82% | 34.04% | 35.45% | +202 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 7.14% | 6.88% | 7.27% | 7.29% | 6.93% | 15.25% | 14.49% | 15.95% | +866 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |