Medford, NY · Charter 17914
NCUA · 10 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
7
Asset Quality
68
Profitability
22
Liquidity
58
Efficiency
35
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.
Medford, NY · Charter 17914
NCUA · 10 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.35% | 0.41% | 0.42% | 0.35% | 0.52% | +17 bps | |
| Return on Equity | 4.04% | 4.85% | 4.95% | 4.13% | 6.07% | +203 bps | |
| Net Interest Margin | 2.48% | 2.46% | 2.46% | 2.61% | 2.60% | +12 bps | |
| Efficiency Ratio | 81.51% | 79.37% | 78.72% | 78.74% | 75.22% | -629 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.12% | 6.47% | 6.97% | 6.85% | 7.80% | +68 bps | |
| Loan Growth (YoY) | 10.53% | 11.91% | 11.34% | 8.83% | 8.62% | -190 bps | |
| Share Growth (YoY) | 8.99% | 6.74% | 4.74% | 4.69% | 4.49% | -451 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.45% | 0.41% | 0.53% | 0.50% | 0.52% | +7 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.66% | 8.52% | 8.54% | 8.49% | 8.54% | -12 bps | |
| Net Worth / Assets | 8.66% | 8.52% | 8.54% | 8.49% | 8.54% | -12 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 75.52% | 76.41% | 76.82% | 76.01% | 78.51% | +299 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Medford, NY · Charter 17914 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 10 branches
Q2 2026
Return on Assets
0.52%
Rank 339 of 435
Net Interest Margin
2.60%
Rank 390 of 435
Efficiency Ratio
75.22%
Rank 284 of 435
Equity / Assets
8.54%
Rank 406 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.52% | 0.55% | 0.81% | 1.14% | Beats 22% | 339 / 435 | |
| Return on Equity | 6.07% | 5.12% | 7.41% | 9.70% | Beats 35% | 284 / 435 | |
| Net Interest Margin | 2.60% | 3.01% | 3.39% | 3.75% | Beats 10% | 390 / 435 | |
| Efficiency Ratio | 75.22% | 65.25% | 71.39% | 77.86% | Beats 35% | 284 / 435 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.52% | 0.45% | 0.69% | 1.05% | Beats 68% | 139 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 8.54% | 9.81% | 10.84% | 12.63% | Beats 7% | 406 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 8.54% | 9.81% | 10.84% | 12.63% | Beats 7% | 406 / 435 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 78.51% | 78.33% | 88.38% | 95.61% | 26th pctl | 324 / 435 | |
| Loans / Assets | 68.08% | 67.69% | 74.58% | 80.80% | 26th pctl | 324 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||