New York, NY · Charter 20060
NCUA · 3 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
25
Asset Quality
100
Profitability
1
Liquidity
0
Efficiency
9
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.
New York, NY · Charter 20060
NCUA · 3 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 | -12.25% | 3.15% | 0.92% | -7.76% | -6.47% | +577 bps | |
| Return on Equity | -167.42% | 18.08% | 4.62% | -68.40% | -59.78% | +10,764 bps | |
| Net Interest Margin | 0.60% | 0.64% | 0.67% | 0.36% | 0.41% | -19 bps | |
| Efficiency Ratio | 130.57% | 95.27% | 98.85% | 122.07% | 113.74% | -1,684 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 25.46% | -4.48% | -11.76% | 0.11% | 0.17% | -2,529 bps | |
| Loan Growth (YoY) | n/a | n/a | 27.06% | 43.19% | 38.29% | n/a | |
| Share Growth (YoY) | 7.66% | 10.99% | 13.18% | 15.87% | -1.32% | -898 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.18% | 7.39% | 2.19% | 2.41% | 3.03% | -116 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.31% | 17.43% | 19.89% | 11.35% | 10.83% | +351 bps | |
| Net Worth / Assets | 7.31% | 17.43% | 19.89% | 11.35% | 10.83% | +351 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 5.91% | 3.05% | 11.12% | 9.38% | 8.28% | +237 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
New York, NY · Charter 20060 · Peer group: credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=158-159)
NCUA · 3 branches
Q2 2026
Return on Assets
-6.25%
Rank 157 of 159
Net Interest Margin
0.57%
Rank 158 of 159
Efficiency Ratio
113.25%
Rank 145 of 158
Equity / Assets
10.80%
Rank 120 of 159
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -6.25% | 0.00% | 0.40% | 1.00% | Beats 1% | 157 / 159 | |
| Return on Equity | -57.89% | 0.04% | 2.43% | 6.24% | Beats 1% | 158 / 159 | |
| Net Interest Margin | 0.57% | 2.79% | 3.84% | 4.44% | Beats 1% | 158 / 159 | |
| Efficiency Ratio | 113.25% | 74.21% | 85.84% | 96.50% | Beats 9% | 145 / 158 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.42% | 1.27% | 2.96% | Beats 100% | 18 / 158 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.80% | 10.80% | 14.61% | 21.35% | Beats 25% | 120 / 159 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.80% | 10.80% | 14.61% | 21.35% | Beats 25% | 120 / 159 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 8.24% | 27.85% | 44.27% | 75.14% | 5th pctl | 151 / 159 | |
| Loans / Assets | 3.98% | 22.38% | 35.34% | 62.74% | 1st pctl | 158 / 159 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||