New York, NY · Charter 1059
NCUA · 1 branch
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 under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=158 to 159). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
35
Asset Quality
69
Profitability
31
Liquidity
19
Efficiency
12
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.
New York, NY · Charter 1059
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.22% | -0.36% | -0.78% | -0.14% | -0.53% | -31 bps | |
| Return on Equity | -1.86% | -2.96% | -6.69% | -1.16% | -4.43% | -257 bps | |
| Net Interest Margin | 3.91% | 4.18% | 4.24% | 4.10% | 4.30% | +40 bps | |
| Efficiency Ratio | 103.04% | 106.52% | 114.06% | 108.30% | 111.66% | +863 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.80% | 0.22% | -1.47% | -7.50% | -9.36% | -1,116 bps | |
| Loan Growth (YoY) | -12.30% | -9.26% | -14.79% | -10.82% | -11.32% | +98 bps | |
| Share Growth (YoY) | 2.69% | 1.04% | -0.75% | -7.69% | -9.67% | -1,236 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.46% | 0.71% | 0.73% | 0.43% | 0.77% | +31 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.92% | 0.96% | 0.82% | 0.59% | 0.85% | -7 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.69% | 12.18% | 11.72% | 11.97% | 11.93% | +25 bps | |
| Net Worth / Assets | 11.69% | 12.18% | 11.72% | 11.97% | 11.93% | +25 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 21.38% | 22.64% | 20.72% | 20.61% | 20.99% | -39 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
New York, NY · Charter 1059 · Peer group: credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=158-159)
NCUA · 1 branch
Q2 2026
Return on Assets
-0.54%
Rank 139 of 159
Net Interest Margin
4.32%
Rank 46 of 159
Efficiency Ratio
110.97%
Rank 140 of 158
Equity / Assets
11.94%
Rank 104 of 159
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.54% | 0.00% | 0.40% | 1.00% | Beats 13% | 139 / 159 | |
| Return on Equity | -4.56% | 0.04% | 2.43% | 6.24% | Beats 10% | 143 / 159 | |
| Net Interest Margin | 4.32% | 2.79% | 3.84% | 4.44% | Beats 71% | 46 / 159 | |
| Efficiency Ratio | 110.97% | 74.21% | 85.84% | 96.50% | Beats 12% | 140 / 158 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.74% | 0.42% | 1.27% | 2.96% | Beats 69% | 50 / 158 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 11.94% | 10.80% | 14.61% | 21.35% | Beats 35% | 104 / 159 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 11.94% | 10.80% | 14.61% | 21.35% | Beats 35% | 104 / 159 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 20.98% | 27.85% | 44.27% | 75.14% | 19th pctl | 129 / 159 | |
| Loans / Assets | 18.42% | 22.38% | 35.34% | 62.74% | 21st pctl | 126 / 159 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||