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Sts Peter & Paul

Brooklyn, NY · Charter 18823

NCUA · 2 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 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

97

Q2 2024Q2 2026peer median (50)

Asset Quality

1

Q2 2024Q2 2025peer median (50)

Profitability

33

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

66

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

Sts Peter & Paul

Brooklyn, NY · Charter 18823

NCUA · 2 branches

Q2 2026

$707KAssets
$0KLoans
$409KShares
$298KNet 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 0.49%, down 200 bps year over year; NIM at 1.53%.
  • Capital: net worth / assets of 42.14%, down 314 bps from a year ago.
  • Funding: loans stand at 0.00% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.49%-200 bps YoY

Net Interest Margin (YTD, annualized)

1.53%-197 bps YoY

Efficiency Ratio (YTD, annualized)

68.10%+3,941 bps YoY

Net Worth / Assets

42.14%-314 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.49%0.99%0.97%0.76%0.49%-200 bps
Return on Equity5.50%2.27%2.25%1.75%1.16%-435 bps
Net Interest Margin3.49%2.31%2.24%1.90%1.53%-197 bps
Efficiency Ratio28.69%61.35%59.81%59.85%68.10%+3,941 bps
Growth
Asset Growth (YoY)-19.18%-17.02%-16.55%-3.71%7.46%+2,664 bps
Loan Growth (YoY)-37.68%-100.00%-100.00%-100.00%-100.00%-6,232 bps
Share Growth (YoY)-31.73%-27.60%-26.78%-7.23%13.61%+4,534 bps
Asset Quality
Delinquent Loans / Loans100.00%n/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans100.00%n/an/an/an/an/a
Capital
Risk-Based Capital45.27%43.40%43.12%43.52%42.14%-314 bps
Net Worth / Assets45.27%43.40%43.12%43.52%42.14%-314 bps
Liquidity & Funding
Loans / Shares0.28%0.00%0.00%0.00%0.00%-28 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

Sts Peter & Paul

Brooklyn, NY · Charter 18823 · Peer group: credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=158-159)

NCUA · 2 branches

Q2 2026

$707KAssets
$0KLoans
$409KShares
$298KNet Worth

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 97% of credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 5 of 159).
  • Widest gap: net interest margin trails 96% of credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 152 of 159).
  • Overall: at or above the peer median on 4 of 6 directional measures.

Return on Assets

0.57%

Rank 67 of 159

Net Interest Margin

1.41%

Rank 152 of 159

Efficiency Ratio

80.00%

Rank 57 of 158

Equity / Assets

42.15%

Rank 5 of 159

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.57%0.00%0.40%1.00%Beats 58%67 / 159
Return on Equity1.34%0.04%2.43%6.24%Beats 37%100 / 159
Net Interest Margin1.41%2.79%3.84%4.44%Beats 4%152 / 159
Efficiency Ratio80.00%74.21%85.84%96.50%Beats 66%57 / 158
Asset Quality
Nonperforming Loans / Loansn/aNot reported for this institution
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio42.15%10.80%14.61%21.35%Beats 97%5 / 159
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets42.15%10.80%14.61%21.35%Beats 97%5 / 159
Liquidity & Funding
Loans / Deposits0.00%27.85%44.27%75.14%0th pctl159 / 159
Loans / Assets0.00%22.38%35.34%62.74%0th pctl159 / 159
Brokered Deposits / Depositsn/aNot reported for this institution