PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Amnh Employees

New York, NY · Charter 930

NCUA · 1 branch

Q2 2026

$1.0MAssets
$173KLoans
$818KShares
$209KNet 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 0.36%, up 9 bps year over year; NIM at 3.95%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 20.30%, up 165 bps from a year ago.
  • Funding: loans stand at 21.15% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.36%+9 bps YoY

Net Interest Margin (YTD, annualized)

3.95%+40 bps YoY

Efficiency Ratio (YTD, annualized)

91.10%-150 bps YoY

Net Worth / Assets

20.30%+165 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.27%0.15%0.26%0.00%0.36%+9 bps
Return on Equity1.45%0.79%1.37%-0.03%1.75%+30 bps
Net Interest Margin3.55%3.52%3.55%3.61%3.95%+40 bps
Efficiency Ratio92.60%95.77%92.80%100.14%91.10%-150 bps
Growth
Asset Growth (YoY)-1.31%-3.74%-3.27%-3.60%-6.69%-538 bps
Loan Growth (YoY)-34.05%-27.07%-14.87%1.67%21.25%+5,529 bps
Share Growth (YoY)-1.57%-4.62%-4.39%-4.68%-8.64%-707 bps
Asset Quality
Delinquent Loans / Loans0.00%0.59%0.29%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans24.59%25.54%17.54%18.53%20.28%-431 bps
Capital
Risk-Based Capital18.66%19.25%19.18%19.89%20.30%+165 bps
Net Worth / Assets18.66%19.25%19.18%19.89%20.30%+165 bps
Liquidity & Funding
Loans / Shares15.94%16.01%23.02%22.82%21.15%+521 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps