New York, NY · Charter 798
NCUA · 3 branches
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 | 1.47% | 1.57% | 3.60% | 2.81% | 2.20% | 2.00% | 0.75% | 0.65% | -216 bps | |
| Return on Equity | 13.19% | 13.77% | 29.45% | 21.68% | 16.55% | 14.90% | 5.39% | 4.61% | -1,708 bps | |
| Net Interest Margin | 4.69% | 4.74% | 5.09% | 5.26% | 4.98% | 4.85% | 4.43% | 4.32% | -94 bps | |
| Efficiency Ratio | 71.42% | 69.72% | 50.83% | 57.00% | 63.45% | 65.24% | 84.12% | 86.00% | +2,899 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.34% | -0.31% | -0.32% | -3.46% | -0.44% | -0.31% | -3.47% | -1.41% | +206 bps | |
| Loan Growth (YoY) | 7.00% | 4.61% | 5.82% | -2.68% | -9.87% | -7.71% | -15.15% | -11.30% | -862 bps | |
| Share Growth (YoY) | -2.73% | -2.10% | -2.57% | -5.94% | -2.66% | -2.44% | -5.63% | -3.07% | +286 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.96% | 1.38% | 1.49% | 4.72% | 0.69% | 3.01% | 4.28% | 6.97% | +225 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 | 2.60% | 3.13% | 3.24% | 3.77% | 2.81% | 3.15% | 2.64% | 2.54% | -123 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.11% | 11.40% | 12.24% | 12.95% | 13.31% | 13.44% | 13.99% | 14.08% | +113 bps | |
| Net Worth / Assets | 11.11% | 11.40% | 12.24% | 12.95% | 13.31% | 13.44% | 13.99% | 14.08% | +113 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 24.57% | 23.19% | 24.08% | 23.37% | 22.75% | 21.93% | 21.64% | 21.38% | -198 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |