Ronkonkoma, NY · Charter 19216
NCUA · 4 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
4
Asset Quality
64
Profitability
80
Liquidity
39
Efficiency
63
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.
Ronkonkoma, NY · Charter 19216
NCUA · 4 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 | 0.50% | 0.70% | 0.44% | 0.34% | 0.43% | 0.47% | 0.63% | 0.72% | +38 bps | |
| Return on Equity | 7.99% | 10.58% | 6.70% | 5.18% | 6.48% | 6.96% | 9.42% | 10.10% | +492 bps | |
| Net Interest Margin | 4.99% | 5.11% | 4.99% | 4.97% | 5.02% | 5.01% | 4.89% | 5.19% | +22 bps | |
| Efficiency Ratio | 85.32% | 82.28% | 89.79% | 90.59% | 88.27% | 84.08% | 85.56% | 81.35% | -924 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.25% | 0.21% | 1.23% | 3.58% | 2.64% | 5.37% | 6.00% | 1.51% | -208 bps | |
| Loan Growth (YoY) | 7.69% | 14.33% | 8.73% | 5.78% | 20.04% | 20.49% | 25.32% | 21.07% | +1,529 bps | |
| Share Growth (YoY) | -1.99% | -0.94% | 0.01% | 2.60% | 0.99% | 5.13% | 5.87% | 0.82% | -178 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.60% | 0.77% | 0.74% | 0.71% | 0.60% | 0.47% | 0.41% | 0.87% | +15 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 | 6.20% | 6.62% | 6.60% | 6.55% | 6.68% | 6.75% | 6.74% | 7.12% | +56 bps | |
| Net Worth / Assets | 6.20% | 6.62% | 6.60% | 6.55% | 6.68% | 6.75% | 6.74% | 7.12% | +56 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 57.05% | 61.13% | 58.17% | 61.36% | 67.81% | 70.06% | 68.85% | 73.69% | +1,233 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Ronkonkoma, NY · Charter 19216 · Peer group: credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=158-159)
NCUA · 4 branches
Q2 2026
Return on Assets
0.72%
Rank 57 of 159
Net Interest Margin
5.19%
Rank 21 of 159
Efficiency Ratio
81.33%
Rank 59 of 158
Equity / Assets
7.12%
Rank 153 of 159
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.72% | 0.00% | 0.40% | 1.00% | Beats 64% | 57 / 159 | ||
| Return on Equity | 10.07% | 0.04% | 2.43% | 6.24% | Beats 89% | 18 / 159 | ||
| Net Interest Margin | 5.19% | 2.79% | 3.84% | 4.44% | Beats 87% | 21 / 159 | ||
| Efficiency Ratio | 81.33% | 74.21% | 85.84% | 96.50% | Beats 63% | 59 / 158 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.87% | 0.42% | 1.27% | 2.96% | Beats 64% | 58 / 158 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 7.12% | 10.80% | 14.61% | 21.35% | Beats 4% | 153 / 159 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 7.12% | 10.80% | 14.61% | 21.35% | Beats 4% | 153 / 159 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 73.69% | 27.85% | 44.27% | 75.14% | 74th pctl | 42 / 159 | ||
| Loans / Assets | 68.50% | 22.38% | 35.34% | 62.74% | 82nd pctl | 29 / 159 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||