New York, NY · Charter 7217
NCUA · 5 branches
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 | -0.01% | -0.01% | -0.04% | 0.11% | 0.08% | 0.18% | 0.45% | 0.52% | +41 bps | |
| Return on Equity | -0.03% | -0.07% | -0.21% | 0.59% | 0.44% | 1.17% | 2.65% | 3.02% | +243 bps | |
| Net Interest Margin | 0.68% | 0.67% | 0.73% | 0.82% | 0.85% | 0.86% | 1.57% | 1.64% | +82 bps | |
| Efficiency Ratio | 100.82% | 102.69% | 101.34% | 85.94% | 89.32% | 78.48% | 68.03% | 66.55% | -1,939 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.74% | 3.79% | 4.17% | 3.12% | 2.10% | 39.66% | 40.28% | 41.50% | +3,838 bps | |
| Loan Growth (YoY) | 10.56% | 9.69% | 10.23% | 9.29% | 8.68% | 59.61% | 57.81% | 58.53% | +4,924 bps | |
| Share Growth (YoY) | 0.81% | 4.11% | 4.30% | 2.93% | 1.94% | 40.76% | 41.73% | 43.55% | +4,062 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.81% | 1.02% | 0.57% | 0.47% | 0.61% | 0.60% | 0.57% | 0.63% | +16 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.00% | 17.78% | 17.64% | 17.80% | 17.68% | 15.03% | 17.07% | 17.16% | -64 bps | |
| Net Worth / Assets | 18.00% | 17.78% | 17.64% | 17.80% | 17.68% | 15.03% | 17.07% | 17.16% | -64 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.74% | 70.52% | 71.93% | 73.70% | 74.35% | 79.96% | 80.09% | 81.39% | +769 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |