Mount Vernon, NY · Charter 132
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
61
Asset Quality
20
Profitability
29
Liquidity
14
Efficiency
8
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.
Mount Vernon, NY · Charter 132
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 | 4.49% | 2.79% | 1.45% | -0.57% | -0.59% | -509 bps | |
| Return on Equity | 27.72% | 17.61% | 8.42% | -3.47% | -3.59% | -3,131 bps | |
| Net Interest Margin | 4.17% | 4.32% | 4.71% | 4.22% | 4.04% | -13 bps | |
| Efficiency Ratio | 54.75% | 66.78% | 84.24% | 112.93% | 113.88% | +5,912 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.55% | 5.59% | -4.86% | -5.54% | -9.20% | -1,575 bps | |
| Loan Growth (YoY) | 5.64% | -20.20% | -16.01% | -8.16% | -2.44% | -809 bps | |
| Share Growth (YoY) | 5.05% | 4.18% | -7.42% | -6.69% | -9.55% | -1,460 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.30% | 0.51% | 3.75% | +375 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.83% | 5.29% | 6.32% | 6.58% | 6.29% | +245 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.21% | 15.83% | 17.27% | 16.52% | 16.50% | +29 bps | |
| Net Worth / Assets | 16.21% | 15.83% | 17.27% | 16.52% | 16.50% | +29 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 18.31% | 17.22% | 18.74% | 18.11% | 19.75% | +144 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Mount Vernon, NY · Charter 132 · 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
-0.58%
Rank 140 of 159
Net Interest Margin
4.07%
Rank 60 of 159
Efficiency Ratio
113.64%
Rank 146 of 158
Equity / Assets
16.49%
Rank 62 of 159
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.58% | 0.00% | 0.40% | 1.00% | Beats 12% | 140 / 159 | |
| Return on Equity | -3.53% | 0.04% | 2.43% | 6.24% | Beats 13% | 139 / 159 | |
| Net Interest Margin | 4.07% | 2.79% | 3.84% | 4.44% | Beats 62% | 60 / 159 | |
| Efficiency Ratio | 113.64% | 74.21% | 85.84% | 96.50% | Beats 8% | 146 / 158 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 3.55% | 0.42% | 1.27% | 2.96% | Beats 20% | 127 / 158 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 16.49% | 10.80% | 14.61% | 21.35% | Beats 61% | 62 / 159 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 16.49% | 10.80% | 14.61% | 21.35% | Beats 61% | 62 / 159 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 19.72% | 27.85% | 44.27% | 75.14% | 16th pctl | 133 / 159 | |
| Loans / Assets | 16.39% | 22.38% | 35.34% | 62.74% | 17th pctl | 132 / 159 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||