Flushing, NY · Charter 119
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
86
Asset Quality
5
Profitability
5
Liquidity
0
Efficiency
3
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.
Flushing, NY · Charter 119
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 | -0.72% | -1.43% | -0.43% | -0.84% | -1.02% | -0.77% | -0.57% | -0.57% | +27 bps | |
| Return on Equity | -3.08% | -7.53% | -2.30% | -4.48% | -5.43% | -4.05% | -3.02% | -2.81% | +166 bps | |
| Net Interest Margin | 0.32% | 0.33% | 0.27% | 0.36% | 0.48% | 0.76% | 0.91% | 0.93% | +56 bps | |
| Efficiency Ratio | 284% | n/a | 120.91% | 162.91% | 200% | 162.05% | 178.26% | 159.23% | -367 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.33% | -4.55% | -2.30% | -2.41% | -6.16% | -5.37% | -5.04% | -9.99% | -758 bps | |
| Loan Growth (YoY) | -4.18% | -5.41% | -12.36% | -14.78% | -16.90% | -17.67% | -12.46% | -12.00% | +278 bps | |
| Share Growth (YoY) | -6.92% | -5.63% | -4.09% | -1.22% | -2.74% | -4.75% | -8.13% | -12.69% | -1,147 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.94% | 5.55% | 0.69% | 0.94% | 1.20% | 6.64% | 0.95% | 6.65% | +571 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 | 23.48% | 18.99% | 18.84% | 18.80% | 18.79% | 18.98% | 19.04% | 20.24% | +144 bps | |
| Net Worth / Assets | 23.48% | 18.99% | 18.84% | 18.80% | 18.79% | 18.98% | 19.04% | 20.24% | +144 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 15.92% | 15.86% | 14.06% | 13.95% | 13.60% | 13.71% | 13.40% | 14.06% | +11 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Flushing, NY · Charter 119 · Peer group: credit unions under $1B in assets in NY (n=59)
NCUA · 1 branch
Q2 2026
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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer 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 Margin | 0.93% | 3.24% | 3.66% | 4.04% | Beats 0% | 59 / 59 | ||
| Efficiency Ratio | 159.38% | 63.53% | 74.15% | 82.44% | Beats 3% | 58 / 59 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 6.65% | 0.32% | 0.68% | 1.20% | Beats 5% | 57 / 59 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 20.24% | 10.94% | 13.05% | 16.06% | Beats 86% | 8 / 59 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 20.24% | 10.94% | 13.05% | 16.06% | Beats 86% | 8 / 59 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 14.06% | 40.49% | 57.59% | 78.86% | 2nd pctl | 58 / 59 | ||
| Loans / Assets | 12.05% | 33.06% | 50.92% | 63.03% | 2nd pctl | 58 / 59 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||