Kingston, NY · Charter 15766
NCUA · 14 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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
27
Asset Quality
85
Profitability
50
Liquidity
46
Efficiency
21
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.
Kingston, NY · Charter 15766
NCUA · 14 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 | 0.56% | 0.49% | 0.27% | 0.45% | 0.51% | 0.54% | 0.41% | 0.71% | +26 bps | |
| Return on Equity | 5.55% | 4.96% | 2.76% | 4.73% | 5.21% | 5.49% | 4.23% | 7.18% | +245 bps | |
| Net Interest Margin | 3.24% | 3.15% | 3.06% | 3.17% | 3.31% | 3.32% | 3.54% | 3.58% | +41 bps | |
| Efficiency Ratio | 79.01% | 79.56% | 85.52% | 81.27% | 79.92% | 79.70% | 80.91% | 78.71% | -256 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.48% | 8.59% | 10.83% | 9.79% | 7.32% | 5.94% | 4.49% | 3.95% | -583 bps | |
| Loan Growth (YoY) | 3.25% | 2.59% | 2.19% | 3.60% | 4.48% | 4.90% | 5.45% | 10.17% | +657 bps | |
| Share Growth (YoY) | 5.04% | 8.32% | 10.90% | 9.85% | 7.57% | 5.60% | 4.32% | 3.74% | -612 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.30% | 0.38% | 0.32% | 0.44% | 0.56% | 0.54% | 0.51% | 0.36% | -8 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 | 10.08% | 9.83% | 9.62% | 9.59% | 9.84% | 9.81% | 9.76% | 9.87% | +28 bps | |
| Net Worth / Assets | 10.08% | 9.83% | 9.62% | 9.59% | 9.84% | 9.81% | 9.76% | 9.87% | +28 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.06% | 73.52% | 71.27% | 71.18% | 72.90% | 73.04% | 72.04% | 75.59% | +441 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Kingston, NY · Charter 15766 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 14 branches
Q2 2026
Return on Assets
0.71%
Rank 267 of 435
Net Interest Margin
3.58%
Rank 160 of 435
Efficiency Ratio
78.71%
Rank 344 of 435
Equity / Assets
9.87%
Rank 317 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.71% | 0.55% | 0.81% | 1.14% | Beats 39% | 267 / 435 | ||
| Return on Equity | 7.18% | 5.12% | 7.41% | 9.70% | Beats 47% | 230 / 435 | ||
| Net Interest Margin | 3.58% | 3.01% | 3.39% | 3.75% | Beats 63% | 160 / 435 | ||
| Efficiency Ratio | 78.71% | 65.25% | 71.39% | 77.86% | Beats 21% | 344 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.36% | 0.45% | 0.69% | 1.05% | Beats 85% | 68 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.87% | 9.81% | 10.84% | 12.63% | Beats 27% | 317 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.87% | 9.81% | 10.84% | 12.63% | Beats 27% | 317 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 75.59% | 78.33% | 88.38% | 95.61% | 21st pctl | 343 / 435 | ||
| Loans / Assets | 67.53% | 67.69% | 74.58% | 80.80% | 24th pctl | 331 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||