Brooklyn, NY · Charter 7504
NCUA · 1 branch
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 9.30% | 6.97% | 4.53% | 1.43% | 0.09% | -0.44% | -0.94% | -2.08% | -351 bps | |
| Return on Equity | 88.16% | 65.12% | 38.43% | 11.75% | 0.73% | -3.77% | -8.02% | -18.68% | -3,043 bps | |
| Net Interest Margin | 2.78% | 2.90% | 2.85% | 2.98% | 3.03% | 3.03% | 3.42% | 2.70% | -29 bps | |
| Efficiency Ratio | 32.93% | 41.01% | 51.23% | 78.11% | 98.44% | 108.53% | 121.88% | 164.63% | +8,653 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.64% | -5.42% | -8.42% | -11.49% | -12.80% | -11.71% | -14.27% | -9.58% | +192 bps | |
| Loan Growth (YoY) | -17.84% | -24.15% | -23.58% | -26.61% | -27.49% | -30.05% | -34.18% | -37.98% | -1,138 bps | |
| Share Growth (YoY) | -8.64% | -9.61% | -9.26% | -12.71% | -13.83% | -12.65% | -14.15% | -8.62% | +409 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 3.56% | 0.59% | 2.17% | 0.00% | 0.00% | 0.00% | 0.00% | -217 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 | 19.21% | 21.19% | 22.19% | 23.41% | 19.65% | 22.97% | 26.83% | 28.69% | +528 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.55% | 10.70% | 11.79% | 12.14% | 11.82% | 11.68% | 11.74% | 11.14% | -100 bps | |
| Net Worth / Assets | 10.55% | 10.70% | 11.79% | 12.14% | 11.82% | 11.68% | 11.74% | 11.14% | -100 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 12.39% | 11.49% | 10.69% | 10.54% | 10.43% | 9.20% | 8.20% | 7.15% | -339 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |