Smithtown, NY · Charter 8116
NCUA · 32 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 | 0.29% | 0.49% | 0.54% | 0.99% | 0.95% | 0.82% | 1.02% | 0.89% | -10 bps | |
| Return on Equity | 2.87% | 4.90% | 5.35% | 9.41% | 8.88% | 7.78% | 9.41% | 8.04% | -137 bps | |
| Net Interest Margin | 2.50% | 2.60% | 2.71% | 2.76% | 2.79% | 2.83% | 3.05% | 3.12% | +37 bps | |
| Efficiency Ratio | 67.28% | 62.99% | 62.65% | 58.53% | 59.40% | 60.42% | 61.69% | 61.00% | +246 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.01% | -0.07% | 0.01% | 0.36% | 0.84% | 0.59% | 0.52% | 0.37% | +1 bps | |
| Loan Growth (YoY) | -3.97% | -6.04% | -7.05% | -9.92% | -10.66% | -6.09% | -4.52% | 2.31% | +1,223 bps | |
| Share Growth (YoY) | -0.95% | 2.21% | 2.79% | 2.63% | 3.74% | -0.11% | -0.73% | -0.25% | -288 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.08% | 1.27% | 0.98% | 1.24% | 1.21% | 1.29% | 1.19% | 1.19% | -5 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 | 10.03% | 10.03% | 10.14% | 10.51% | 10.71% | 10.58% | 10.81% | 11.03% | +51 bps | |
| Net Worth / Assets | 10.03% | 10.03% | 10.14% | 10.51% | 10.71% | 10.58% | 10.81% | 11.03% | +51 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 79.54% | 74.32% | 72.12% | 69.14% | 68.50% | 69.87% | 69.37% | 70.91% | +177 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |