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Mount Vernon NY Postal Employees

Mount Vernon, NY · Charter 132

NCUA · 1 branch

Q2 2026

$1.0MAssets
$169KLoans
$857KShares
$170KNet 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 -0.59%, down 509 bps year over year; NIM at 4.04%.
  • Asset quality: problem loans at 3.75% of loans (+375 bps YoY).
  • Capital: net worth / assets of 16.50%, up 29 bps from a year ago.
  • Funding: loans stand at 19.75% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.59%-509 bps YoY

Net Interest Margin (YTD, annualized)

4.04%-13 bps YoY

Efficiency Ratio (YTD, annualized)

113.88%+5,912 bps YoY

Net Worth / Assets

16.50%+29 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets4.49%2.79%1.45%-0.57%-0.59%-509 bps
Return on Equity27.72%17.61%8.42%-3.47%-3.59%-3,131 bps
Net Interest Margin4.17%4.32%4.71%4.22%4.04%-13 bps
Efficiency Ratio54.75%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 / Loans0.00%0.00%0.30%0.51%3.75%+375 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.83%5.29%6.32%6.58%6.29%+245 bps
Capital
Risk-Based Capital16.21%15.83%17.27%16.52%16.50%+29 bps
Net Worth / Assets16.21%15.83%17.27%16.52%16.50%+29 bps
Liquidity & Funding
Loans / Shares18.31%17.22%18.74%18.11%19.75%+144 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps