Woodridge, NY · Charter 1134
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 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
90
Asset Quality
34
Profitability
7
Liquidity
0
Efficiency
2
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.
Woodridge, NY · Charter 1134
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 | -0.29% | -1.61% | -1.20% | -1.43% | -1.53% | -1.71% | 0.90% | -0.33% | +110 bps | |
| Return on Equity | -1.41% | -7.47% | -5.50% | -6.68% | -7.10% | -7.76% | 4.04% | -1.44% | +525 bps | |
| Net Interest Margin | 1.43% | 1.59% | 1.78% | 1.78% | 1.75% | 1.70% | 1.23% | 1.28% | -50 bps | |
| Efficiency Ratio | 196.73% | 192.49% | 165.45% | 167.78% | 181.04% | 194.98% | 266% | 267% | +9,928 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -22.75% | -25.48% | -19.27% | -17.26% | -13.97% | -9.15% | -7.59% | -11.89% | +537 bps | |
| Loan Growth (YoY) | -27.23% | -29.53% | -31.50% | -28.77% | -28.85% | -45.47% | -45.51% | -38.18% | -942 bps | |
| Share Growth (YoY) | -26.57% | -29.35% | -21.61% | -18.97% | -14.82% | -9.67% | -8.32% | -13.83% | +515 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 8.49% | 3.53% | 2.27% | 2.28% | 2.07% | 1.26% | 1.72% | 1.08% | -119 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 | 3.71% | 4.49% | 4.78% | 4.89% | 5.20% | 7.90% | 1.98% | 1.23% | -366 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.77% | 21.56% | 21.79% | 21.47% | 21.56% | 22.03% | 22.41% | 23.20% | +173 bps | |
| Net Worth / Assets | 20.77% | 21.56% | 21.79% | 21.47% | 21.56% | 22.03% | 22.41% | 23.20% | +173 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 26.73% | 26.82% | 25.86% | 24.40% | 22.33% | 16.19% | 15.37% | 17.50% | -690 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Woodridge, NY · Charter 1134 · Peer group: credit unions under $1B in assets in NY (n=59)
NCUA · 1 branch
Q2 2026
Return on Assets
-0.36%
Rank 53 of 59
Net Interest Margin
1.27%
Rank 58 of 59
Efficiency Ratio
264%
Rank 59 of 59
Equity / Assets
23.22%
Rank 6 of 59
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.36% | 0.28% | 1.01% | 1.42% | Beats 10% | 53 / 59 | ||
| Return on Equity | -1.56% | 2.31% | 7.92% | 10.52% | Beats 10% | 53 / 59 | ||
| Net Interest Margin | 1.27% | 3.24% | 3.66% | 4.04% | Beats 2% | 58 / 59 | ||
| Efficiency Ratio | 264% | 63.53% | 74.15% | 82.44% | Beats 2% | 59 / 59 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.12% | 0.32% | 0.68% | 1.20% | Beats 34% | 40 / 59 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 23.22% | 10.94% | 13.05% | 16.06% | Beats 90% | 6 / 59 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 23.22% | 10.94% | 13.05% | 16.06% | Beats 90% | 6 / 59 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 17.52% | 40.49% | 57.59% | 78.86% | 3rd pctl | 57 / 59 | ||
| Loans / Assets | 13.45% | 33.06% | 50.92% | 63.03% | 3rd pctl | 57 / 59 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||