New York, NY · Charter 15459
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
53
Asset Quality
30
Profitability
78
Liquidity
0
Efficiency
76
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 15459
NCUA · 1 branch
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 | -0.30% | 0.04% | -0.59% | -0.37% | 0.20% | 0.35% | 1.14% | 1.24% | +161 bps | |
| Return on Equity | -2.10% | 0.30% | -4.12% | -2.59% | 1.40% | 2.47% | 7.78% | 8.20% | +1,079 bps | |
| Net Interest Margin | 3.86% | 3.86% | 3.28% | 3.52% | 3.78% | 3.68% | 3.90% | 4.22% | +70 bps | |
| Efficiency Ratio | 106.96% | 99.03% | 116.89% | 109.96% | 94.53% | 90.82% | 73.88% | 73.79% | -3,617 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.39% | 4.11% | 6.33% | 1.08% | 1.19% | 4.49% | 2.12% | 3.86% | +278 bps | |
| Loan Growth (YoY) | -4.74% | -4.28% | -5.03% | 5.13% | 0.51% | 4.59% | 9.53% | 12.72% | +759 bps | |
| Share Growth (YoY) | 0.33% | 4.43% | 6.24% | 0.62% | 0.77% | 4.61% | 2.61% | 3.63% | +301 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.29% | 0.06% | 1.60% | 1.83% | 1.72% | 1.69% | 1.37% | 2.38% | +55 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 | 3.37% | 3.54% | 3.48% | 3.48% | 3.35% | 3.39% | 3.18% | 3.09% | -39 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.28% | 14.35% | 14.20% | 14.46% | 14.53% | 14.08% | 14.69% | 15.08% | +62 bps | |
| Net Worth / Assets | 14.28% | 14.35% | 14.20% | 14.46% | 14.53% | 14.08% | 14.69% | 15.08% | +62 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 99.50% | 93.56% | 96.07% | 97.29% | 99.24% | 93.54% | 102.55% | 105.82% | +853 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
New York, NY · Charter 15459 · 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
1.24%
Rank 27 of 159
Net Interest Margin
4.21%
Rank 50 of 159
Efficiency Ratio
73.68%
Rank 39 of 158
Equity / Assets
15.08%
Rank 75 of 159
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.24% | 0.00% | 0.40% | 1.00% | Beats 83% | 27 / 159 | ||
| Return on Equity | 8.22% | 0.04% | 2.43% | 6.24% | Beats 82% | 28 / 159 | ||
| Net Interest Margin | 4.21% | 2.79% | 3.84% | 4.44% | Beats 69% | 50 / 159 | ||
| Efficiency Ratio | 73.68% | 74.21% | 85.84% | 96.50% | Beats 76% | 39 / 158 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.39% | 0.42% | 1.27% | 2.96% | Beats 30% | 111 / 158 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.08% | 10.80% | 14.61% | 21.35% | Beats 53% | 75 / 159 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 15.08% | 10.80% | 14.61% | 21.35% | Beats 53% | 75 / 159 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 105.81% | 27.85% | 44.27% | 75.14% | 96th pctl | 6 / 159 | ||
| Loans / Assets | 88.20% | 22.38% | 35.34% | 62.74% | 97th pctl | 4 / 159 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||