Hauppauge, NY · Charter 10023
NCUA · 10 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
38
Asset Quality
22
Profitability
23
Liquidity
95
Efficiency
49
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Hauppauge, NY · Charter 10023
NCUA · 10 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 | -0.27% | -0.25% | -0.06% | 0.09% | 0.16% | 0.26% | 0.50% | 0.60% | +52 bps | |
| Return on Equity | -3.06% | -2.83% | -0.62% | 0.93% | 1.71% | 2.63% | 4.99% | 5.81% | +488 bps | |
| Net Interest Margin | 1.71% | 1.71% | 1.74% | 1.88% | 1.98% | 2.04% | 2.30% | 2.40% | +52 bps | |
| Efficiency Ratio | 97.81% | 96.47% | 87.90% | 83.35% | 81.34% | 79.53% | 74.01% | 72.00% | -1,134 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.37% | 0.70% | -3.00% | -6.36% | -7.50% | -8.08% | -8.49% | -6.49% | -12 bps | |
| Loan Growth (YoY) | -1.53% | -3.25% | -4.80% | -5.37% | -6.47% | -7.48% | -8.11% | -7.81% | -244 bps | |
| Share Growth (YoY) | -2.06% | -2.53% | -1.95% | -3.12% | -1.84% | -3.34% | -6.04% | -5.51% | -239 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.86% | 0.98% | 0.72% | 0.87% | 0.77% | 0.86% | 0.79% | 1.10% | +23 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 | 8.74% | 8.73% | 8.92% | 9.28% | 9.47% | 9.72% | 10.11% | 10.40% | +112 bps | |
| Net Worth / Assets | 8.74% | 8.73% | 8.92% | 9.28% | 9.47% | 9.72% | 10.11% | 10.40% | +112 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 92.20% | 90.82% | 88.20% | 89.47% | 87.85% | 86.93% | 86.25% | 87.28% | -218 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Hauppauge, NY · Charter 10023 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 10 branches
Q2 2026
Return on Assets
0.60%
Rank 307 of 435
Net Interest Margin
2.40%
Rank 410 of 435
Efficiency Ratio
72.00%
Rank 223 of 435
Equity / Assets
10.40%
Rank 269 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.60% | 0.55% | 0.81% | 1.14% | Beats 29% | 307 / 435 | ||
| Return on Equity | 5.81% | 5.12% | 7.41% | 9.70% | Beats 33% | 293 / 435 | ||
| Net Interest Margin | 2.40% | 3.01% | 3.39% | 3.75% | Beats 6% | 410 / 435 | ||
| Efficiency Ratio | 72.00% | 65.25% | 71.39% | 77.86% | Beats 49% | 223 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.10% | 0.45% | 0.69% | 1.05% | Beats 22% | 340 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.40% | 9.81% | 10.84% | 12.63% | Beats 38% | 269 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.40% | 9.81% | 10.84% | 12.63% | Beats 38% | 269 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 87.28% | 78.33% | 88.38% | 95.61% | 46th pctl | 234 / 435 | ||
| Loans / Assets | 70.46% | 67.69% | 74.58% | 80.80% | 35th pctl | 284 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||