New York, NY · Charter 930
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 | 0.30% | 0.13% | 0.52% | 0.27% | 0.15% | 0.26% | 0.00% | 0.36% | +9 bps | |
| Return on Equity | 1.64% | 0.73% | 2.72% | 1.45% | 0.79% | 1.37% | -0.03% | 1.75% | +30 bps | |
| Net Interest Margin | 3.74% | 3.71% | 3.69% | 3.55% | 3.52% | 3.55% | 3.61% | 3.95% | +40 bps | |
| Efficiency Ratio | 87.37% | 89.37% | 86.63% | 92.60% | 95.77% | 92.80% | 100.14% | 91.10% | -150 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.89% | -0.07% | -3.38% | -1.31% | -3.74% | -3.27% | -3.60% | -6.69% | -538 bps | |
| Loan Growth (YoY) | -16.54% | -21.74% | -24.32% | -34.05% | -27.07% | -14.87% | 1.67% | 21.25% | +5,529 bps | |
| Share Growth (YoY) | -5.24% | -0.15% | -4.22% | -1.57% | -4.62% | -4.39% | -4.68% | -8.64% | -707 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.59% | 0.29% | 0.00% | 0.00% | 0 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 | 17.83% | 14.93% | 18.84% | 24.59% | 25.54% | 17.54% | 18.53% | 20.28% | -431 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.52% | 18.30% | 19.04% | 18.66% | 19.25% | 19.18% | 19.89% | 20.30% | +165 bps | |
| Net Worth / Assets | 18.52% | 18.30% | 19.04% | 18.66% | 19.25% | 19.18% | 19.89% | 20.30% | +165 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 20.94% | 25.86% | 21.40% | 15.94% | 16.01% | 23.02% | 22.82% | 21.15% | +521 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |