Brooklyn, NY · Charter 9952
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 | -0.46% | -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 Margin | 2.67% | 2.78% | 2.90% | 2.44% | 2.60% | 2.83% | 3.14% | 3.27% | +83 bps | |
| Efficiency Ratio | 114.98% | 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 / Loans | 1.29% | 0.00% | 0.00% | 0.00% | 0.00% | 1.93% | 7.79% | 8.08% | +808 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 | 5.42% | 5.87% | 5.76% | 6.38% | 7.06% | 6.02% | 6.68% | 7.11% | +73 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.72% | 17.91% | 18.04% | 17.93% | 17.70% | 18.28% | 18.80% | 19.17% | +125 bps | |
| Net Worth / Assets | 17.72% | 17.91% | 18.04% | 17.93% | 17.70% | 18.28% | 18.80% | 19.17% | +125 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 18.91% | 17.46% | 17.77% | 16.28% | 14.58% | 15.10% | 14.03% | 13.47% | -282 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |