New York, NY · Charter 1343
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
89
Asset Quality
23
Profitability
39
Liquidity
18
Efficiency
49
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.
New York, NY · Charter 1343
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 | 0.11% | 0.24% | 0.33% | 0.71% | 0.48% | +37 bps | |
| Return on Equity | 0.36% | 0.82% | 1.14% | 2.46% | 1.58% | +122 bps | |
| Net Interest Margin | 5.72% | 5.79% | 5.90% | 6.20% | 2.80% | -292 bps | |
| Efficiency Ratio | 94.46% | 83.41% | 83.37% | 74.44% | 85.17% | -929 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.69% | 7.64% | 2.61% | 5.17% | 0.19% | -50 bps | |
| Loan Growth (YoY) | 20.42% | 14.85% | 13.86% | 12.79% | 4.28% | -1,615 bps | |
| Share Growth (YoY) | 0.62% | 9.98% | 2.47% | 5.84% | -0.74% | -136 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.00% | 2.39% | 1.72% | 2.38% | 3.22% | +122 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.43% | 2.50% | 2.69% | 3.19% | 2.58% | +115 bps | |
| Capital | |||||||
| Risk-Based Capital | 29.23% | 28.79% | 29.45% | 28.91% | 30.28% | +105 bps | |
| Net Worth / Assets | 29.23% | 28.79% | 29.45% | 28.91% | 30.28% | +105 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 79.63% | 77.74% | 83.91% | 80.99% | 83.66% | +402 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
New York, NY · Charter 1343 · 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
0.50%
Rank 72 of 159
Net Interest Margin
2.78%
Rank 125 of 159
Efficiency Ratio
86.21%
Rank 81 of 158
Equity / Assets
30.28%
Rank 17 of 159
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.50% | 0.00% | 0.40% | 1.00% | Beats 55% | 72 / 159 | |
| Return on Equity | 1.65% | 0.04% | 2.43% | 6.24% | Beats 40% | 95 / 159 | |
| Net Interest Margin | 2.78% | 2.79% | 3.84% | 4.44% | Beats 21% | 125 / 159 | |
| Efficiency Ratio | 86.21% | 74.21% | 85.84% | 96.50% | Beats 49% | 81 / 158 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 3.21% | 0.42% | 1.27% | 2.96% | Beats 23% | 122 / 158 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 30.28% | 10.80% | 14.61% | 21.35% | Beats 89% | 17 / 159 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 30.28% | 10.80% | 14.61% | 21.35% | Beats 89% | 17 / 159 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 83.67% | 27.85% | 44.27% | 75.14% | 82nd pctl | 28 / 159 | |
| Loans / Assets | 58.01% | 22.38% | 35.34% | 62.74% | 71st pctl | 46 / 159 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||