Rockville Centr, NY · Charter 18273
NCUA · 8 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
66
Asset Quality
25
Profitability
53
Liquidity
39
Efficiency
34
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.
Rockville Centr, NY · Charter 18273
NCUA · 8 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 | 1.09% | 1.06% | 0.84% | 2.18% | 1.87% | 1.63% | 0.76% | 0.82% | -136 bps | |
| Return on Equity | 8.61% | 8.64% | 6.55% | 16.13% | 13.43% | 11.83% | 5.30% | 5.51% | -1,063 bps | |
| Net Interest Margin | 4.68% | 4.41% | 4.36% | 4.41% | 4.48% | 4.34% | 4.32% | 4.44% | +3 bps | |
| Efficiency Ratio | 73.84% | 74.09% | 78.14% | 61.76% | 64.73% | 67.15% | 80.29% | 79.71% | +1,794 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.02% | -6.58% | -4.11% | 0.46% | 3.20% | 1.52% | 0.31% | -2.72% | -318 bps | |
| Loan Growth (YoY) | 0.20% | -1.30% | 0.31% | -0.35% | -0.57% | -1.46% | -2.87% | -3.23% | -288 bps | |
| Share Growth (YoY) | -13.10% | -6.96% | -6.09% | -1.36% | 1.37% | -0.14% | -1.72% | -3.92% | -256 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.14% | 2.05% | 1.87% | 1.97% | 2.00% | 2.92% | 1.99% | 1.20% | -77 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 | 12.63% | 12.32% | 12.78% | 13.52% | 13.94% | 13.76% | 14.41% | 14.90% | +138 bps | |
| Net Worth / Assets | 12.63% | 12.32% | 12.78% | 13.52% | 13.94% | 13.76% | 14.41% | 14.90% | +138 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.89% | 72.65% | 74.59% | 74.46% | 75.42% | 71.69% | 73.72% | 74.99% | +53 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Rockville Centr, NY · Charter 18273 · Peer group: credit unions under $1B in assets in NY (n=59)
NCUA · 8 branches
Q2 2026
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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.82% | 0.28% | 1.01% | 1.42% | Beats 39% | 36 / 59 | ||
| Return on Equity | 5.50% | 2.31% | 7.92% | 10.52% | Beats 34% | 39 / 59 | ||
| Net Interest Margin | 4.44% | 3.24% | 3.66% | 4.04% | Beats 85% | 9 / 59 | ||
| Efficiency Ratio | 79.75% | 63.53% | 74.15% | 82.44% | Beats 34% | 40 / 59 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.20% | 0.32% | 0.68% | 1.20% | Beats 25% | 45 / 59 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.90% | 10.94% | 13.05% | 16.06% | Beats 66% | 20 / 59 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 14.90% | 10.94% | 13.05% | 16.06% | Beats 66% | 20 / 59 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 74.99% | 40.49% | 57.59% | 78.86% | 71st pctl | 17 / 59 | ||
| Loans / Assets | 63.14% | 33.06% | 50.92% | 63.03% | 76th pctl | 14 / 59 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||