PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

I R E B

Brooklyn, NY · Charter 9952

NCUA · 1 branch

Q2 2026

$2.6MAssets
$280KLoans
$2.1MShares
$493KNet Worth

Executive Summary

  • Earnings: ROA of 0.29%, up 74 bps year over year; NIM at 3.27%.
  • Asset quality: problem loans at 8.08% of loans (+808 bps YoY).
  • Capital: net worth / assets of 19.17%, up 125 bps from a year ago.
  • Funding: loans stand at 13.47% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

0.29%+74 bps YoY

Net Interest Margin (quarter, annualized)

3.27%+83 bps YoY

Efficiency Ratio (quarter, annualized)

91.72%-2,361 bps YoY

Net Worth / Assets

19.17%+125 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.46%-0.16%0.69%-0.45%-0.44%0.06%0.36%0.29%+74 bps
Return on Equity-2.57%-0.87%3.81%-2.51%-2.50%0.32%1.90%1.53%+404 bps
Net Interest Margin2.67%2.78%2.90%2.44%2.60%2.83%3.14%3.27%+83 bps
Efficiency Ratio114.98%104.97%81.17%115.33%113.20%98.37%89.55%91.72%-2,361 bps
Growth
Asset Growth (YoY)-3.39%-1.62%0.16%-0.58%-0.70%-1.69%-4.21%-4.30%-372 bps
Loan Growth (YoY)-8.58%-18.22%-6.73%-17.72%-23.24%-15.33%-25.07%-22.07%-435 bps
Share Growth (YoY)-3.82%-1.79%-0.24%-0.76%-0.45%-2.12%-5.10%-5.77%-501 bps
Asset Quality
Delinquent Loans / Loans1.29%0.00%0.00%0.00%0.00%1.93%7.79%8.08%+808 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans5.42%5.87%5.76%6.38%7.06%6.02%6.68%7.11%+73 bps
Capital
Risk-Based Capital17.72%17.91%18.04%17.93%17.70%18.28%18.80%19.17%+125 bps
Net Worth / Assets17.72%17.91%18.04%17.93%17.70%18.28%18.80%19.17%+125 bps
Liquidity & Funding
Loans / Shares18.91%17.46%17.77%16.28%14.58%15.10%14.03%13.47%-282 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps