Brooklyn, NY · Charter 18823
NCUA · 2 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 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.
Capital
97
Asset Quality
1
Profitability
33
Liquidity
0
Efficiency
66
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.
Brooklyn, NY · Charter 18823
NCUA · 2 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 | 2.22% | 2.07% | 2.37% | 2.49% | 0.99% | 0.97% | 0.76% | 0.49% | -200 bps | |
| Return on Equity | 6.31% | 5.88% | 5.72% | 5.50% | 2.27% | 2.25% | 1.75% | 1.16% | -435 bps | |
| Net Interest Margin | 3.49% | 3.25% | 3.38% | 3.49% | 2.31% | 2.24% | 1.90% | 1.53% | -197 bps | |
| Efficiency Ratio | 37.58% | 37.32% | 29.99% | 28.69% | 61.35% | 59.81% | 59.85% | 68.10% | +3,941 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.55% | -2.95% | -16.68% | -19.18% | -17.02% | -16.55% | -3.71% | 7.46% | +2,664 bps | |
| Loan Growth (YoY) | -80.83% | -80.02% | -20.84% | -37.68% | -100.00% | -100.00% | -100.00% | -100.00% | -6,232 bps | |
| Share Growth (YoY) | -6.95% | -7.11% | -27.23% | -31.73% | -27.60% | -26.78% | -7.23% | 13.61% | +4,534 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 100.00% | 100.00% | 100.00% | 100.00% | n/a | n/a | n/a | n/a | n/a | |
| 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 | 85.77% | 85.77% | 99.29% | 100.00% | n/a | n/a | n/a | n/a | n/a | |
| Capital | ||||||||||
| Risk-Based Capital | 35.12% | 35.18% | 41.38% | 45.27% | 43.40% | 43.12% | 43.52% | 42.14% | -314 bps | |
| Net Worth / Assets | 35.12% | 35.18% | 41.38% | 45.27% | 43.40% | 43.12% | 43.52% | 42.14% | -314 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 0.28% | 0.28% | 0.30% | 0.28% | 0.00% | 0.00% | 0.00% | 0.00% | -28 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
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
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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.57% | 0.00% | 0.40% | 1.00% | Beats 58% | 67 / 159 | ||
| Return on Equity | 1.34% | 0.04% | 2.43% | 6.24% | Beats 37% | 100 / 159 | ||
| Net Interest Margin | 1.41% | 2.79% | 3.84% | 4.44% | Beats 4% | 152 / 159 | ||
| Efficiency Ratio | 80.00% | 74.21% | 85.84% | 96.50% | Beats 66% | 57 / 158 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | n/a | Not reported for this institution | ||||||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 42.15% | 10.80% | 14.61% | 21.35% | Beats 97% | 5 / 159 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 42.15% | 10.80% | 14.61% | 21.35% | Beats 97% | 5 / 159 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 0.00% | 27.85% | 44.27% | 75.14% | 0th pctl | 159 / 159 | ||
| Loans / Assets | 0.00% | 22.38% | 35.34% | 62.74% | 0th pctl | 159 / 159 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||