Staten Island, NY · Charter 12546
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
16
Asset Quality
84
Profitability
60
Liquidity
91
Efficiency
39
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.
Staten Island, NY · Charter 12546
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 | 0.83% | 0.94% | 0.54% | -0.25% | 0.25% | -57 bps | |
| Return on Equity | 9.67% | 9.85% | 5.92% | -2.76% | 2.62% | -705 bps | |
| Net Interest Margin | 5.48% | 6.03% | 5.69% | 5.00% | 5.26% | -23 bps | |
| Efficiency Ratio | 81.41% | 80.72% | 86.08% | 88.58% | 90.14% | +873 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.84% | -7.44% | 0.56% | -5.84% | -8.55% | -171 bps | |
| Loan Growth (YoY) | -5.92% | 3.27% | -0.51% | -6.53% | -12.15% | -623 bps | |
| Share Growth (YoY) | -8.20% | -9.00% | -0.02% | -6.60% | -9.52% | -132 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.50% | 0.48% | 0.48% | 0.00% | 0.18% | -32 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.21% | 1.13% | 1.26% | 1.44% | 1.29% | +9 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.54% | 9.53% | 9.13% | 9.22% | 9.57% | +103 bps | |
| Net Worth / Assets | 8.54% | 9.53% | 9.13% | 9.22% | 9.57% | +103 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 50.28% | 58.34% | 52.11% | 49.55% | 48.82% | -146 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Staten Island, NY · Charter 12546 · 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
0.24%
Rank 96 of 159
Net Interest Margin
5.31%
Rank 16 of 159
Efficiency Ratio
89.47%
Rank 97 of 158
Equity / Assets
9.57%
Rank 133 of 159
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.24% | 0.00% | 0.40% | 1.00% | Beats 40% | 96 / 159 | |
| Return on Equity | 2.52% | 0.04% | 2.43% | 6.24% | Beats 50% | 79 / 159 | |
| Net Interest Margin | 5.31% | 2.79% | 3.84% | 4.44% | Beats 90% | 16 / 159 | |
| Efficiency Ratio | 89.47% | 74.21% | 85.84% | 96.50% | Beats 39% | 97 / 158 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.18% | 0.42% | 1.27% | 2.96% | Beats 84% | 26 / 158 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.57% | 10.80% | 14.61% | 21.35% | Beats 16% | 133 / 159 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.57% | 10.80% | 14.61% | 21.35% | Beats 16% | 133 / 159 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 48.82% | 27.85% | 44.27% | 75.14% | 53rd pctl | 75 / 159 | |
| Loans / Assets | 44.09% | 22.38% | 35.34% | 62.74% | 56th pctl | 70 / 159 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||