Spring Valley, NY · Charter 15080
NCUA · 3 branches
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
58
Asset Quality
23
Profitability
52
Liquidity
1
Efficiency
40
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.
Spring Valley, NY · Charter 15080
NCUA · 3 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.20% | 0.77% | 0.89% | 0.99% | 0.80% | 0.49% | 0.11% | 0.09% | -90 bps | |
| Return on Equity | 7.62% | 4.94% | 5.72% | 6.30% | 4.89% | 3.00% | 0.70% | 0.55% | -575 bps | |
| Net Interest Margin | 7.37% | 7.43% | 7.12% | 7.26% | 7.45% | 7.47% | 7.15% | 7.09% | -17 bps | |
| Efficiency Ratio | 77.47% | 81.41% | 81.91% | 80.98% | 83.42% | 86.76% | 90.44% | 89.31% | +833 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.19% | -3.56% | -2.14% | -2.34% | -1.30% | -1.45% | -2.36% | -0.88% | +146 bps | |
| Loan Growth (YoY) | 5.15% | 2.49% | 1.25% | -0.15% | -1.76% | -1.57% | -2.29% | -1.71% | -157 bps | |
| Share Growth (YoY) | -6.30% | -3.65% | -2.13% | -2.45% | -2.22% | -2.46% | -3.15% | -1.12% | +133 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.92% | 3.64% | 2.93% | 1.86% | 2.25% | 2.51% | 3.89% | 3.28% | +142 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.78% | 15.68% | 15.55% | 15.74% | 16.38% | 16.33% | 16.14% | 15.83% | +9 bps | |
| Net Worth / Assets | 15.78% | 15.68% | 15.55% | 15.74% | 16.38% | 16.33% | 16.14% | 15.83% | +9 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 96.40% | 96.89% | 93.17% | 92.46% | 96.85% | 97.77% | 93.99% | 91.91% | -55 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Spring Valley, NY · Charter 15080 · Peer group: credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=158-159)
NCUA · 3 branches
Q2 2026
Return on Assets
0.09%
Rank 113 of 159
Net Interest Margin
7.09%
Rank 4 of 159
Efficiency Ratio
89.32%
Rank 96 of 158
Equity / Assets
15.83%
Rank 67 of 159
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.09% | 0.00% | 0.40% | 1.00% | Beats 29% | 113 / 159 | ||
| Return on Equity | 0.55% | 0.04% | 2.43% | 6.24% | Beats 29% | 113 / 159 | ||
| Net Interest Margin | 7.09% | 2.79% | 3.84% | 4.44% | Beats 97% | 4 / 159 | ||
| Efficiency Ratio | 89.32% | 74.21% | 85.84% | 96.50% | Beats 40% | 96 / 158 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 3.28% | 0.42% | 1.27% | 2.96% | Beats 23% | 123 / 158 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.83% | 10.80% | 14.61% | 21.35% | Beats 58% | 67 / 159 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 15.83% | 10.80% | 14.61% | 21.35% | Beats 58% | 67 / 159 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 91.91% | 27.85% | 44.27% | 75.14% | 89th pctl | 17 / 159 | ||
| Loans / Assets | 76.35% | 22.38% | 35.34% | 62.74% | 90th pctl | 16 / 159 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||