New York, NY · Charter 9358
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 | -0.57% | -0.52% | 0.01% | 0.14% | 0.22% | 0.14% | 0.50% | 0.72% | +59 bps | |
| Return on Equity | -3.39% | -3.10% | 0.05% | 0.82% | 1.26% | 0.84% | 2.93% | 4.23% | +341 bps | |
| Net Interest Margin | 1.80% | 1.90% | 2.23% | 2.27% | 2.37% | 2.42% | 2.57% | 2.67% | +40 bps | |
| Efficiency Ratio | 120.96% | 116.78% | 98.59% | 94.29% | 91.79% | 92.23% | 79.68% | 75.46% | -1,883 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.47% | -2.31% | -1.33% | -0.56% | -1.45% | -1.35% | -2.66% | 0.73% | +128 bps | |
| Loan Growth (YoY) | -2.75% | -2.58% | 2.82% | 11.96% | 19.08% | 15.45% | 10.14% | -0.23% | -1,219 bps | |
| Share Growth (YoY) | -5.03% | -3.29% | -3.65% | -3.27% | -3.58% | -4.42% | -4.75% | -1.72% | +155 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.16% | 1.22% | 1.15% | 3.12% | 2.98% | 2.84% | 3.15% | 3.04% | -8 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 | 16.82% | 16.77% | 16.47% | 16.84% | 17.14% | 17.14% | 17.19% | 17.16% | +31 bps | |
| Net Worth / Assets | 16.82% | 16.77% | 16.47% | 16.84% | 17.14% | 17.14% | 17.19% | 17.16% | +31 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 40.93% | 41.39% | 42.28% | 47.17% | 50.55% | 49.99% | 48.89% | 47.88% | +71 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |