Oceanside, NY · Charter 19269
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
6
Asset Quality
32
Profitability
28
Liquidity
32
Efficiency
37
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.
Oceanside, NY · Charter 19269
NCUA · 4 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.05% | 0.09% | 0.10% | 0.22% | 0.12% | +7 bps | |
| Return on Equity | 0.58% | 1.08% | 1.29% | 2.66% | 1.43% | +85 bps | |
| Net Interest Margin | 2.32% | 2.32% | 2.30% | 2.44% | 2.45% | +13 bps | |
| Efficiency Ratio | 92.11% | 90.81% | 90.29% | 87.98% | 90.78% | -133 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.72% | 6.33% | 10.44% | 5.29% | 5.20% | -52 bps | |
| Loan Growth (YoY) | 9.66% | 17.01% | 12.41% | 12.38% | 9.20% | -46 bps | |
| Share Growth (YoY) | 5.35% | 3.36% | 5.92% | 4.46% | 4.58% | -77 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.38% | 1.50% | 1.47% | 1.24% | 2.21% | +82 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.49% | 8.22% | 8.03% | 8.21% | 8.17% | -31 bps | |
| Net Worth / Assets | 8.49% | 8.22% | 8.03% | 8.21% | 8.17% | -31 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 73.68% | 75.99% | 76.97% | 77.92% | 76.93% | +326 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Oceanside, NY · Charter 19269 · 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
0.12%
Rank 110 of 159
Net Interest Margin
2.45%
Rank 135 of 159
Efficiency Ratio
90.78%
Rank 100 of 158
Equity / Assets
8.17%
Rank 149 of 159
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.12% | 0.00% | 0.40% | 1.00% | Beats 31% | 110 / 159 | |
| Return on Equity | 1.43% | 0.04% | 2.43% | 6.24% | Beats 38% | 98 / 159 | |
| Net Interest Margin | 2.45% | 2.79% | 3.84% | 4.44% | Beats 15% | 135 / 159 | |
| Efficiency Ratio | 90.78% | 74.21% | 85.84% | 96.50% | Beats 37% | 100 / 158 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 2.21% | 0.42% | 1.27% | 2.96% | Beats 32% | 109 / 158 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 8.17% | 10.80% | 14.61% | 21.35% | Beats 6% | 149 / 159 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 8.17% | 10.80% | 14.61% | 21.35% | Beats 6% | 149 / 159 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 76.93% | 27.85% | 44.27% | 75.14% | 75th pctl | 39 / 159 | |
| Loans / Assets | 72.05% | 22.38% | 35.34% | 62.74% | 85th pctl | 24 / 159 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||