Yonkers, NY · Charter 16360
NCUA · 6 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 NY (n=59). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
42
Asset Quality
12
Profitability
22
Liquidity
19
Efficiency
61
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.
Yonkers, NY · Charter 16360
NCUA · 6 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 | 0.06% | 0.14% | 0.43% | 0.50% | 0.61% | 0.60% | 0.57% | 0.60% | +10 bps | |
| Return on Equity | 0.50% | 1.14% | 3.48% | 4.08% | 4.92% | 4.88% | 4.66% | 4.91% | +83 bps | |
| Net Interest Margin | 1.61% | 1.69% | 2.02% | 2.05% | 2.12% | 2.14% | 2.41% | 2.40% | +35 bps | |
| Efficiency Ratio | 96.19% | 92.19% | 80.79% | 77.80% | 74.17% | 74.26% | 74.56% | 71.20% | -660 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.09% | 2.47% | 4.27% | 4.50% | 5.17% | 6.28% | 5.07% | 5.36% | +86 bps | |
| Loan Growth (YoY) | 5.72% | 6.93% | 8.44% | 9.32% | 10.59% | 9.99% | 10.10% | 7.16% | -216 bps | |
| Share Growth (YoY) | 1.22% | 2.63% | 4.54% | 4.71% | 5.16% | 6.44% | 4.95% | 5.33% | +62 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.47% | 1.19% | 1.38% | 1.91% | 2.14% | 1.95% | 1.54% | 2.19% | +28 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 | 12.61% | 12.48% | 12.35% | 12.34% | 12.42% | 12.22% | 12.28% | 12.25% | -9 bps | |
| Net Worth / Assets | 12.61% | 12.48% | 12.35% | 12.34% | 12.42% | 12.22% | 12.28% | 12.25% | -9 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.05% | 77.42% | 77.05% | 79.44% | 81.03% | 80.00% | 80.83% | 80.82% | +138 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Yonkers, NY · Charter 16360 · Peer group: credit unions under $1B in assets in NY (n=59)
NCUA · 6 branches
Q2 2026
Return on Assets
0.60%
Rank 42 of 59
Net Interest Margin
2.40%
Rank 56 of 59
Efficiency Ratio
71.18%
Rank 24 of 59
Equity / Assets
12.25%
Rank 34 of 59
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.60% | 0.28% | 1.01% | 1.42% | Beats 29% | 42 / 59 | ||
| Return on Equity | 4.91% | 2.31% | 7.92% | 10.52% | Beats 32% | 40 / 59 | ||
| Net Interest Margin | 2.40% | 3.24% | 3.66% | 4.04% | Beats 5% | 56 / 59 | ||
| Efficiency Ratio | 71.18% | 63.53% | 74.15% | 82.44% | Beats 61% | 24 / 59 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.19% | 0.32% | 0.68% | 1.20% | Beats 12% | 53 / 59 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.25% | 10.94% | 13.05% | 16.06% | Beats 42% | 34 / 59 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.25% | 10.94% | 13.05% | 16.06% | Beats 42% | 34 / 59 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 80.82% | 40.49% | 57.59% | 78.86% | 80th pctl | 12 / 59 | ||
| Loans / Assets | 70.83% | 33.06% | 50.92% | 63.03% | 85th pctl | 9 / 59 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||