Rye Brook, NY · Charter 9532
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 | 0.79% | 0.73% | 0.45% | 0.49% | 0.53% | 0.51% | 0.55% | 0.62% | +12 bps | |
| Return on Equity | 7.19% | 6.73% | 4.26% | 4.71% | 4.74% | 4.68% | 5.08% | 5.60% | +89 bps | |
| Net Interest Margin | 2.65% | 2.59% | 2.40% | 2.39% | 2.57% | 2.49% | 2.56% | 2.63% | +24 bps | |
| Efficiency Ratio | 73.02% | 74.25% | 82.77% | 81.28% | 81.32% | 81.40% | 80.03% | 78.35% | -294 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.48% | -8.61% | -5.85% | -0.83% | 3.54% | 5.79% | 3.37% | -0.14% | +69 bps | |
| Loan Growth (YoY) | 25.86% | 22.92% | 15.51% | 14.30% | 6.23% | 3.65% | 2.00% | -0.09% | -1,439 bps | |
| Share Growth (YoY) | -12.65% | -10.44% | -7.32% | -1.71% | 3.14% | 5.73% | 2.99% | -1.01% | +71 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.01% | 0.00% | 0.00% | 0.01% | 0.03% | 0.06% | 0.04% | 0.02% | +1 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 | 10.92% | 10.90% | 10.67% | 10.42% | 11.09% | 10.81% | 10.85% | 11.00% | +58 bps | |
| Net Worth / Assets | 10.92% | 10.90% | 10.67% | 10.42% | 11.09% | 10.81% | 10.85% | 11.00% | +58 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 39.91% | 40.59% | 39.34% | 39.09% | 41.10% | 39.79% | 38.96% | 39.46% | +36 bps | |
| Liquid Assets / Assets | 0.00% | 99.81% | 98.57% | 0.00% | 0.00% | 98.13% | 0.00% | 0.00% | 0 bps | |