PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Suffolk

Medford, NY · Charter 17914

NCUA · 10 branches

Q2 2026

$2.1BAssets
$1.4BLoans
$1.8BShares
$178.9MNet 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 0.52%, up 17 bps year over year; NIM at 2.60%.
  • Asset quality: problem loans at 0.52% of loans (+7 bps YoY).
  • Capital: net worth / assets of 8.54%, down 12 bps from a year ago.
  • Funding: loans stand at 78.51% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.52%+17 bps YoY

Net Interest Margin (YTD, annualized)

2.60%+12 bps YoY

Efficiency Ratio (YTD, annualized)

75.22%-629 bps YoY

Net Worth / Assets

8.54%-12 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.35%0.41%0.42%0.35%0.52%+17 bps
Return on Equity4.04%4.85%4.95%4.13%6.07%+203 bps
Net Interest Margin2.48%2.46%2.46%2.61%2.60%+12 bps
Efficiency Ratio81.51%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 / Loans0.45%0.41%0.53%0.50%0.52%+7 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital8.66%8.52%8.54%8.49%8.54%-12 bps
Net Worth / Assets8.66%8.52%8.54%8.49%8.54%-12 bps
Liquidity & Funding
Loans / Shares75.52%76.41%76.82%76.01%78.51%+299 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps