New York, NY · Charter 11380
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
96
Asset Quality
54
Profitability
60
Liquidity
65
Efficiency
78
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 11380
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 | 9.70% | 5.66% | -0.19% | 2.49% | 1.11% | -859 bps | |
| Return on Equity | 22.27% | 12.43% | -0.49% | 6.35% | 2.81% | -1,946 bps | |
| Net Interest Margin | 13.21% | 12.29% | 4.57% | 5.25% | 3.84% | -937 bps | |
| Efficiency Ratio | 28.88% | 48.78% | 101.71% | 52.57% | 71.07% | +4,219 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 15.71% | 8.00% | 12.96% | 13.66% | -1.37% | -1,708 bps | |
| Loan Growth (YoY) | 25.31% | 8.82% | -4.39% | 1.58% | 27.58% | +226 bps | |
| Share Growth (YoY) | 18.04% | 4.79% | 25.34% | 27.00% | 5.48% | -1,256 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.56% | 1.21% | 0.37% | 0.78% | 1.17% | -40 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | -0.39% | 2.58% | 0.38% | 0.53% | 0.33% | +72 bps | |
| Capital | |||||||
| Risk-Based Capital | 43.54% | 45.51% | 39.57% | 39.21% | 39.56% | -398 bps | |
| Net Worth / Assets | 43.54% | 45.51% | 39.57% | 39.21% | 39.56% | -398 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 50.51% | 58.96% | 54.73% | 51.34% | 61.09% | +1,058 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
New York, NY · Charter 11380 · 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
1.10%
Rank 36 of 159
Net Interest Margin
3.86%
Rank 78 of 159
Efficiency Ratio
71.43%
Rank 35 of 158
Equity / Assets
39.53%
Rank 7 of 159
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.10% | 0.00% | 0.40% | 1.00% | Beats 77% | 36 / 159 | |
| Return on Equity | 2.79% | 0.04% | 2.43% | 6.24% | Beats 53% | 74 / 159 | |
| Net Interest Margin | 3.86% | 2.79% | 3.84% | 4.44% | Beats 51% | 78 / 159 | |
| Efficiency Ratio | 71.43% | 74.21% | 85.84% | 96.50% | Beats 78% | 35 / 158 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.12% | 0.42% | 1.27% | 2.96% | Beats 54% | 73 / 158 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 39.53% | 10.80% | 14.61% | 21.35% | Beats 96% | 7 / 159 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 39.53% | 10.80% | 14.61% | 21.35% | Beats 96% | 7 / 159 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 61.19% | 27.85% | 44.27% | 75.14% | 64th pctl | 57 / 159 | |
| Loans / Assets | 36.91% | 22.38% | 35.34% | 62.74% | 53rd pctl | 75 / 159 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||