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Self Reliance Financial

New York, NY · Charter 7217

NCUA · 5 branches

Q2 2026

$2.0BAssets
$1.4BLoans
$1.7BShares
$350.4MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.52%, up 41 bps year over year; NIM at 1.64%.
  • Asset quality: problem loans at 0.63% of loans (+16 bps YoY).
  • Capital: net worth / assets of 17.16%, down 64 bps from a year ago.
  • Funding: loans stand at 81.39% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.52%+41 bps YoY

Net Interest Margin (quarter, annualized)

1.64%+82 bps YoY

Efficiency Ratio (quarter, annualized)

66.55%-1,939 bps YoY

Net Worth / Assets

17.16%-64 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.11%0.08%0.18%0.45%0.52%+41 bps
Return on Equity0.59%0.44%1.17%2.65%3.02%+243 bps
Net Interest Margin0.82%0.85%0.86%1.57%1.64%+82 bps
Efficiency Ratio85.94%89.32%78.48%68.03%66.55%-1,939 bps
Growth
Asset Growth (YoY)3.12%2.10%39.66%40.28%41.50%+3,838 bps
Loan Growth (YoY)9.29%8.68%59.61%57.81%58.53%+4,924 bps
Share Growth (YoY)2.93%1.94%40.76%41.73%43.55%+4,062 bps
Asset Quality
Delinquent Loans / Loans0.47%0.61%0.60%0.57%0.63%+16 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital17.80%17.68%15.03%17.07%17.16%-64 bps
Net Worth / Assets17.80%17.68%15.03%17.07%17.16%-64 bps
Liquidity & Funding
Loans / Shares73.70%74.35%79.96%80.09%81.39%+769 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps