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Medical Employees of Staten Island

Staten Island, NY · Charter 12546

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 the New York-Newark-Jersey City, NY-NJ area3

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 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.

Peer standing

Capital

16

Q2 2024Q2 2026peer median (50)

Asset Quality

84

Q2 2024Q2 2026peer median (50)

Profitability

60

Q2 2024Q2 2026peer median (50)

Liquidity

91

Q2 2024Q2 2026peer median

Efficiency

39

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

Medical Employees of Staten Island

Staten Island, NY · Charter 12546

NCUA · 1 branch

Q2 2026

$2.5MAssets
$1.1MLoans
$2.2MShares
$238KNet Worth

Executive Summary

  • Earnings: ROA of 0.25%, down 57 bps year over year; NIM at 5.26%.
  • Asset quality: problem loans at 0.18% of loans (-32 bps YoY).
  • Capital: net worth / assets of 9.57%, up 103 bps from a year ago.
  • Funding: loans stand at 48.82% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.25%-57 bps YoY

Net Interest Margin (YTD, annualized)

5.26%-23 bps YoY

Efficiency Ratio (YTD, annualized)

90.14%+873 bps YoY

Net Worth / Assets

9.57%+103 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.85%0.86%0.94%0.83%0.94%0.54%-0.25%0.25%-57 bps
Return on Equity10.69%9.98%11.14%9.67%9.85%5.92%-2.76%2.62%-705 bps
Net Interest Margin6.52%6.76%5.37%5.48%6.03%5.69%5.00%5.26%-23 bps
Efficiency Ratio73.47%74.53%81.27%81.41%80.72%86.08%88.58%90.14%+873 bps
Growth
Asset Growth (YoY)-10.29%-12.79%-11.54%-6.84%-7.44%0.56%-5.84%-8.55%-171 bps
Loan Growth (YoY)-4.90%-11.79%-8.53%-5.92%3.27%-0.51%-6.53%-12.15%-623 bps
Share Growth (YoY)-11.33%-14.52%-13.29%-8.20%-9.00%-0.02%-6.60%-9.52%-132 bps
Asset Quality
Delinquent Loans / Loans0.77%0.41%0.69%0.50%0.48%0.48%0.00%0.18%-32 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.09%1.34%1.22%1.21%1.13%1.26%1.44%1.29%+9 bps
Capital
Risk-Based Capital8.00%8.64%8.46%8.54%9.53%9.13%9.22%9.57%+103 bps
Net Worth / Assets8.00%8.64%8.46%8.54%9.53%9.13%9.22%9.57%+103 bps
Liquidity & Funding
Loans / Shares51.41%52.37%49.51%50.28%58.34%52.11%49.55%48.82%-146 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%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

Medical Employees of Staten Island

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

$2.5MAssets
$1.1MLoans
$2.2MShares
$238KNet Worth

Executive Summary

  • Strongest standing: net interest margin outperforms 90% of credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 16 of 159).
  • Widest gap: equity / assets trails 84% of credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 133 of 159).
  • Overall: at or above the peer median on 3 of 7 directional measures.

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

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.24%0.00%0.40%1.00%Beats 40%96 / 159
Return on Equity2.52%0.04%2.43%6.24%Beats 50%79 / 159
Net Interest Margin5.31%2.79%3.84%4.44%Beats 90%16 / 159
Efficiency Ratio89.47%74.21%85.84%96.50%Beats 39%97 / 158
Asset Quality
Nonperforming Loans / Loans0.18%0.42%1.27%2.96%Beats 84%26 / 158
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio9.57%10.80%14.61%21.35%Beats 16%133 / 159
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets9.57%10.80%14.61%21.35%Beats 16%133 / 159
Liquidity & Funding
Loans / Deposits48.82%27.85%44.27%75.14%53rd pctl75 / 159
Loans / Assets44.09%22.38%35.34%62.74%56th pctl70 / 159
Brokered Deposits / Depositsn/aNot reported for this institution