Painted Post, NY · Charter 10933
NCUA · 8 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 under $1B in assets in NY (n=59). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
64
Asset Quality
68
Profitability
70
Liquidity
0
Efficiency
69
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.
Painted Post, NY · Charter 10933
NCUA · 8 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 | 1.38% | 1.24% | 0.84% | 0.88% | 0.91% | 0.84% | 1.39% | 1.40% | +52 bps | |
| Return on Equity | 9.32% | 8.29% | 5.78% | 6.05% | 6.07% | 5.71% | 9.44% | 9.42% | +337 bps | |
| Net Interest Margin | 3.49% | 3.53% | 3.63% | 3.71% | 3.81% | 3.80% | 4.14% | 3.99% | +28 bps | |
| Efficiency Ratio | 68.16% | 71.13% | 78.31% | 77.41% | 77.93% | 78.42% | 69.52% | 67.83% | -959 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.61% | 5.57% | 5.84% | 5.31% | 5.51% | 6.91% | 5.50% | 5.97% | +66 bps | |
| Loan Growth (YoY) | 2.24% | 3.62% | 5.03% | 7.10% | 7.92% | 7.97% | 9.09% | 8.92% | +182 bps | |
| Share Growth (YoY) | 3.63% | 5.12% | 5.68% | 5.40% | 5.33% | 7.10% | 5.62% | 5.86% | +47 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.95% | 0.89% | 0.54% | 0.68% | 0.68% | 0.46% | 0.55% | 0.47% | -21 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 | 14.84% | 14.91% | 14.54% | 14.56% | 14.92% | 14.77% | 14.76% | 14.83% | +27 bps | |
| Net Worth / Assets | 14.84% | 14.91% | 14.54% | 14.56% | 14.92% | 14.77% | 14.76% | 14.83% | +27 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.01% | 84.77% | 82.77% | 83.71% | 86.08% | 85.46% | 85.49% | 86.13% | +242 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Painted Post, NY · Charter 10933 · Peer group: credit unions under $1B in assets in NY (n=59)
NCUA · 8 branches
Q2 2026
Return on Assets
1.40%
Rank 16 of 59
Net Interest Margin
3.99%
Rank 19 of 59
Efficiency Ratio
67.82%
Rank 19 of 59
Equity / Assets
14.83%
Rank 21 of 59
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.40% | 0.28% | 1.01% | 1.42% | Beats 73% | 16 / 59 | ||
| Return on Equity | 9.42% | 2.31% | 7.92% | 10.52% | Beats 69% | 18 / 59 | ||
| Net Interest Margin | 3.99% | 3.24% | 3.66% | 4.04% | Beats 68% | 19 / 59 | ||
| Efficiency Ratio | 67.82% | 63.53% | 74.15% | 82.44% | Beats 69% | 19 / 59 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.47% | 0.32% | 0.68% | 1.20% | Beats 68% | 20 / 59 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.83% | 10.94% | 13.05% | 16.06% | Beats 64% | 21 / 59 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 14.83% | 10.94% | 13.05% | 16.06% | Beats 64% | 21 / 59 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 86.13% | 40.49% | 57.59% | 78.86% | 88th pctl | 7 / 59 | ||
| Loans / Assets | 72.61% | 33.06% | 50.92% | 63.03% | 88th pctl | 7 / 59 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||