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Union Baptist Greenburgh

White Plains, NY · Charter 16790

NCUA · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area3

Basis

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.

Peer group

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.

Peer standing

Capital

89

Q2 2024Q2 2026peer median (50)

Asset Quality

13

Q2 2024Q2 2026peer median (50)

Profitability

28

Q2 2024Q2 2026peer median (50)

Liquidity

74

Q2 2024Q2 2026peer median

Efficiency

6

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Union Baptist Greenburgh

White Plains, NY · Charter 16790

NCUA · 3 branches

Q2 2026

$337KAssets
$88KLoans
$239KShares
$98KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -1.21%, up 532 bps year over year; NIM at 4.10%.
  • Asset quality: problem loans at 4.08% of loans (-1,423 bps YoY).
  • Capital: net worth / assets of 29.07%, up 362 bps from a year ago.
  • Funding: loans stand at 36.86% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-1.21%+532 bps YoY

Net Interest Margin (YTD, annualized)

4.10%+58 bps YoY

Efficiency Ratio (YTD, annualized)

126.42%-2,084 bps YoY

Net Worth / Assets

29.07%+362 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-6.54%-3.91%-4.25%-4.04%-1.21%+532 bps
Return on Equity-25.68%-14.67%-15.30%-13.73%-4.17%+2,150 bps
Net Interest Margin3.52%3.65%3.87%2.96%4.10%+58 bps
Efficiency Ratio147.26%118.09%133.54%217%126.42%-2,084 bps
Growth
Asset Growth (YoY)-3.03%-4.48%-7.02%-19.49%-15.71%-1,268 bps
Loan Growth (YoY)-13.61%-9.54%-28.74%-32.41%0.97%+1,458 bps
Share Growth (YoY)-0.57%-3.02%-7.63%-23.80%-19.80%-1,923 bps
Asset Quality
Delinquent Loans / Loans18.30%19.79%17.90%21.23%4.08%-1,423 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans10.46%11.01%13.88%17.70%11.72%+126 bps
Capital
Risk-Based Capital25.46%26.65%27.77%29.45%29.07%+362 bps
Net Worth / Assets25.46%26.65%27.77%29.45%29.07%+362 bps
Liquidity & Funding
Loans / Shares29.27%29.09%26.59%25.17%36.86%+758 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Union Baptist Greenburgh

White Plains, NY · Charter 16790 · 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

$337KAssets
$88KLoans
$239KShares
$98KNet Worth

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 89% of credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 18 of 159).
  • Widest gap: efficiency ratio trails 94% of credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 150 of 158).
  • Overall: at or above the peer median on 3 of 7 directional measures.

Return on Assets

-1.19%

Rank 148 of 159

Net Interest Margin

4.15%

Rank 54 of 159

Efficiency Ratio

125.00%

Rank 150 of 158

Equity / Assets

29.08%

Rank 18 of 159

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-1.19%0.00%0.40%1.00%Beats 7%148 / 159
Return on Equity-4.08%0.04%2.43%6.24%Beats 11%141 / 159
Net Interest Margin4.15%2.79%3.84%4.44%Beats 66%54 / 159
Efficiency Ratio125.00%74.21%85.84%96.50%Beats 6%150 / 158
Asset Quality
Nonperforming Loans / Loans4.55%0.42%1.27%2.96%Beats 13%138 / 158
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio29.08%10.80%14.61%21.35%Beats 89%18 / 159
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets29.08%10.80%14.61%21.35%Beats 89%18 / 159
Liquidity & Funding
Loans / Deposits36.82%27.85%44.27%75.14%38th pctl98 / 159
Loans / Assets26.11%22.38%35.34%62.74%31st pctl109 / 159
Brokered Deposits / Depositsn/aNot reported for this institution