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Triboro Postal

Flushing, NY · Charter 119

NCUA · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in NY3

Basis

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.

Peer group

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.

Peer standing

Capital

86

Q2 2024Q2 2026peer median (50)

Asset Quality

5

Q2 2024Q2 2026peer median (50)

Profitability

5

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

3

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Triboro Postal

Flushing, NY · Charter 119

NCUA · 1 branch

Q2 2026

$83.9MAssets
$10.1MLoans
$71.9MShares
$17.0MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -0.57%, up 27 bps year over year; NIM at 0.93%.
  • Asset quality: problem loans at 6.65% of loans (+571 bps YoY).
  • Capital: net worth / assets of 20.24%, up 144 bps from a year ago.
  • Funding: loans stand at 14.06% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.57%+27 bps YoY

Net Interest Margin (YTD, annualized)

0.93%+56 bps YoY

Efficiency Ratio (YTD, annualized)

159.23%-367 bps YoY

Net Worth / Assets

20.24%+144 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.84%-1.02%-0.77%-0.57%-0.57%+27 bps
Return on Equity-4.48%-5.43%-4.05%-3.02%-2.81%+166 bps
Net Interest Margin0.36%0.48%0.76%0.91%0.93%+56 bps
Efficiency Ratio162.91%200%162.05%178.26%159.23%-367 bps
Growth
Asset Growth (YoY)-2.41%-6.16%-5.37%-5.04%-9.99%-758 bps
Loan Growth (YoY)-14.78%-16.90%-17.67%-12.46%-12.00%+278 bps
Share Growth (YoY)-1.22%-2.74%-4.75%-8.13%-12.69%-1,147 bps
Asset Quality
Delinquent Loans / Loans0.94%1.20%6.64%0.95%6.65%+571 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital18.80%18.79%18.98%19.04%20.24%+144 bps
Net Worth / Assets18.80%18.79%18.98%19.04%20.24%+144 bps
Liquidity & Funding
Loans / Shares13.95%13.60%13.71%13.40%14.06%+11 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Triboro Postal

Flushing, NY · Charter 119 · Peer group: credit unions under $1B in assets in NY (n=59)

NCUA · 1 branch

Q2 2026

$83.9MAssets
$10.1MLoans
$71.9MShares
$17.0MNet Worth

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 86% of credit unions under $1B in assets in NY (rank 8 of 59).
  • Widest gap: net interest margin trails 100% of credit unions under $1B in assets in NY (rank 59 of 59).
  • Overall: at or above the peer median on 2 of 7 directional measures.

Return on Assets

-0.57%

Rank 54 of 59

Net Interest Margin

0.93%

Rank 59 of 59

Efficiency Ratio

159.38%

Rank 58 of 59

Equity / Assets

20.24%

Rank 8 of 59

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-0.57%0.28%1.01%1.42%Beats 8%54 / 59
Return on Equity-2.81%2.31%7.92%10.52%Beats 8%54 / 59
Net Interest Margin0.93%3.24%3.66%4.04%Beats 0%59 / 59
Efficiency Ratio159.38%63.53%74.15%82.44%Beats 3%58 / 59
Asset Quality
Nonperforming Loans / Loans6.65%0.32%0.68%1.20%Beats 5%57 / 59
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio20.24%10.94%13.05%16.06%Beats 86%8 / 59
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets20.24%10.94%13.05%16.06%Beats 86%8 / 59
Liquidity & Funding
Loans / Deposits14.06%40.49%57.59%78.86%2nd pctl58 / 59
Loans / Assets12.05%33.06%50.92%63.03%2nd pctl58 / 59
Brokered Deposits / Depositsn/aNot reported for this institution