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American Broadcast Employees

Rockville Centr, NY · Charter 18273

NCUA · 8 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 NY3

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 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.

Peer standing

Capital

66

Q2 2024Q2 2026peer median (50)

Asset Quality

25

Q2 2024Q2 2026peer median (50)

Profitability

53

Q2 2024Q2 2026peer median (50)

Liquidity

39

Q2 2024Q2 2026peer median

Efficiency

34

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

American Broadcast Employees

Rockville Centr, NY · Charter 18273

NCUA · 8 branches

Q2 2026

$111.5MAssets
$70.4MLoans
$93.9MShares
$16.6MNet 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 0.82%, down 136 bps year over year; NIM at 4.44%.
  • Asset quality: problem loans at 1.20% of loans (-77 bps YoY).
  • Capital: net worth / assets of 14.90%, up 138 bps from a year ago.
  • Funding: loans stand at 74.99% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.82%-136 bps YoY

Net Interest Margin (YTD, annualized)

4.44%+3 bps YoY

Efficiency Ratio (YTD, annualized)

79.71%+1,794 bps YoY

Net Worth / Assets

14.90%+138 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.18%1.87%1.63%0.76%0.82%-136 bps
Return on Equity16.13%13.43%11.83%5.30%5.51%-1,063 bps
Net Interest Margin4.41%4.48%4.34%4.32%4.44%+3 bps
Efficiency Ratio61.76%64.73%67.15%80.29%79.71%+1,794 bps
Growth
Asset Growth (YoY)0.46%3.20%1.52%0.31%-2.72%-318 bps
Loan Growth (YoY)-0.35%-0.57%-1.46%-2.87%-3.23%-288 bps
Share Growth (YoY)-1.36%1.37%-0.14%-1.72%-3.92%-256 bps
Asset Quality
Delinquent Loans / Loans1.97%2.00%2.92%1.99%1.20%-77 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 Capital13.52%13.94%13.76%14.41%14.90%+138 bps
Net Worth / Assets13.52%13.94%13.76%14.41%14.90%+138 bps
Liquidity & Funding
Loans / Shares74.46%75.42%71.69%73.72%74.99%+53 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

American Broadcast Employees

Rockville Centr, NY · Charter 18273 · Peer group: credit unions under $1B in assets in NY (n=59)

NCUA · 8 branches

Q2 2026

$111.5MAssets
$70.4MLoans
$93.9MShares
$16.6MNet Worth

Executive Summary

  • Strongest standing: net interest margin outperforms 85% of credit unions under $1B in assets in NY (rank 9 of 59).
  • Widest gap: nonperforming loans / loans trails 75% of credit unions under $1B in assets in NY (rank 45 of 59).
  • Overall: at or above the peer median on 3 of 7 directional measures.

Return on Assets

0.82%

Rank 36 of 59

Net Interest Margin

4.44%

Rank 9 of 59

Efficiency Ratio

79.75%

Rank 40 of 59

Equity / Assets

14.90%

Rank 20 of 59

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.82%0.28%1.01%1.42%Beats 39%36 / 59
Return on Equity5.50%2.31%7.92%10.52%Beats 34%39 / 59
Net Interest Margin4.44%3.24%3.66%4.04%Beats 85%9 / 59
Efficiency Ratio79.75%63.53%74.15%82.44%Beats 34%40 / 59
Asset Quality
Nonperforming Loans / Loans1.20%0.32%0.68%1.20%Beats 25%45 / 59
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio14.90%10.94%13.05%16.06%Beats 66%20 / 59
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets14.90%10.94%13.05%16.06%Beats 66%20 / 59
Liquidity & Funding
Loans / Deposits74.99%40.49%57.59%78.86%71st pctl17 / 59
Loans / Assets63.14%33.06%50.92%63.03%76th pctl14 / 59
Brokered Deposits / Depositsn/aNot reported for this institution