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Port Washington

Port Washington, NY · Charter 18635

NCUA · 1 branch

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

54

Q2 2024Q2 2026peer median (50)

Asset Quality

16

Q2 2024Q2 2026peer median (50)

Profitability

71

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

98

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

Port Washington

Port Washington, NY · Charter 18635

NCUA · 1 branch

Q2 2026

$109.9MAssets
$100.4MLoans
$93.0MShares
$16.8MNet Worth

Executive Summary

  • Earnings: ROA of 2.17%, up 19 bps year over year; NIM at 2.84%.
  • Asset quality: problem loans at 4.28% of loans (-100 bps YoY).
  • Capital: net worth / assets of 15.31%, down 74 bps from a year ago.
  • Funding: loans stand at 108.05% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

2.17%+19 bps YoY

Net Interest Margin (YTD, annualized)

2.84%-2 bps YoY

Efficiency Ratio (YTD, annualized)

32.39%-421 bps YoY

Net Worth / Assets

15.31%-74 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.75%1.39%1.81%1.99%2.00%1.97%2.53%2.17%+19 bps
Return on Equity10.26%8.67%11.23%12.37%12.03%12.05%15.79%14.20%+183 bps
Net Interest Margin2.65%2.53%2.93%2.86%2.87%2.85%3.13%2.84%-2 bps
Efficiency Ratio44.10%52.70%44.29%36.60%36.61%38.25%31.01%32.39%-421 bps
Growth
Asset Growth (YoY)40.87%25.95%21.76%23.21%13.76%11.55%15.83%20.35%-286 bps
Loan Growth (YoY)39.70%31.16%37.53%28.40%13.95%19.45%20.35%33.66%+526 bps
Share Growth (YoY)38.60%31.98%24.24%25.80%14.31%11.15%16.01%21.41%-439 bps
Asset Quality
Delinquent Loans / Loans1.24%5.99%4.33%5.28%7.52%5.31%5.08%4.28%-100 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital17.05%16.08%16.13%16.05%16.65%16.39%16.02%15.31%-74 bps
Net Worth / Assets17.05%16.08%16.13%16.05%16.65%16.39%16.02%15.31%-74 bps
Liquidity & Funding
Loans / Shares98.44%98.68%103.44%98.14%98.13%106.06%107.31%108.05%+990 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%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

Port Washington

Port Washington, NY · Charter 18635 · Peer group: credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=158-159)

NCUA · 1 branch

Q2 2026

$109.9MAssets
$100.4MLoans
$93.0MShares
$16.8MNet Worth

Executive Summary

  • Strongest standing: efficiency ratio outperforms 98% of credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 4 of 158).
  • Widest gap: nonperforming loans / loans trails 84% of credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 134 of 158).
  • Overall: at or above the peer median on 5 of 7 directional measures.

Return on Assets

2.17%

Rank 11 of 159

Net Interest Margin

2.84%

Rank 119 of 159

Efficiency Ratio

32.40%

Rank 4 of 158

Equity / Assets

15.31%

Rank 73 of 159

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets2.17%0.00%0.40%1.00%Beats 93%11 / 159
Return on Equity14.20%0.04%2.43%6.24%Beats 96%7 / 159
Net Interest Margin2.84%2.79%3.84%4.44%Beats 25%119 / 159
Efficiency Ratio32.40%74.21%85.84%96.50%Beats 98%4 / 158
Asset Quality
Nonperforming Loans / Loans4.28%0.42%1.27%2.96%Beats 16%134 / 158
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio15.31%10.80%14.61%21.35%Beats 54%73 / 159
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets15.31%10.80%14.61%21.35%Beats 54%73 / 159
Liquidity & Funding
Loans / Deposits108.05%27.85%44.27%75.14%97th pctl5 / 159
Loans / Assets91.39%22.38%35.34%62.74%99th pctl1 / 159
Brokered Deposits / Depositsn/aNot reported for this institution