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Division 726

Staten Island, NY · Charter 20336

NCUA · 1 branch

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

50

Q2 2024Q2 2026peer median (50)

Asset Quality

9

Q2 2024Q2 2026peer median (50)

Profitability

33

Q2 2024Q2 2026peer median (50)

Liquidity

74

Q2 2024Q2 2026peer median

Efficiency

42

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

Division 726

Staten Island, NY · Charter 20336

NCUA · 1 branch

Q2 2026

$8.7MAssets
$4.0MLoans
$7.2MShares
$1.3MNet 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 -2.36%, down 50 bps year over year; NIM at 5.72%.
  • Asset quality: problem loans at 7.22% of loans (+140 bps YoY).
  • Capital: net worth / assets of 14.83%, down 259 bps from a year ago.
  • Funding: loans stand at 56.62% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-2.36%-50 bps YoY

Net Interest Margin (YTD, annualized)

5.72%+115 bps YoY

Efficiency Ratio (YTD, annualized)

88.79%-2,480 bps YoY

Net Worth / Assets

14.83%-259 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-1.86%-3.04%-3.57%0.47%-2.36%-50 bps
Return on Equity-10.69%-18.34%-23.26%2.96%-15.94%-525 bps
Net Interest Margin4.57%4.61%4.63%5.21%5.72%+115 bps
Efficiency Ratio113.59%139.26%128.19%93.54%88.79%-2,480 bps
Growth
Asset Growth (YoY)-8.69%-11.25%-5.88%-8.46%-5.86%+283 bps
Loan Growth (YoY)-17.96%-19.79%-21.48%-22.74%-20.85%-288 bps
Share Growth (YoY)-6.33%-9.96%-3.55%-7.40%-6.51%-18 bps
Asset Quality
Delinquent Loans / Loans5.82%8.01%5.75%7.29%7.22%+140 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital17.42%16.57%15.34%15.74%14.83%-259 bps
Net Worth / Assets17.42%16.57%15.34%15.74%14.83%-259 bps
Liquidity & Funding
Loans / Shares66.88%64.67%58.98%57.22%56.62%-1,026 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

Division 726

Staten Island, NY · Charter 20336 · Peer group: credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=158-159)

NCUA · 1 branch

Q2 2026

$8.7MAssets
$4.0MLoans
$7.2MShares
$1.3MNet Worth

Executive Summary

  • Strongest standing: net interest margin outperforms 92% of credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 12 of 159).
  • Widest gap: return on equity trails 97% of credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 154 of 159).
  • Overall: at or above the peer median on 3 of 7 directional measures.

Return on Assets

-2.36%

Rank 153 of 159

Net Interest Margin

5.72%

Rank 12 of 159

Efficiency Ratio

88.79%

Rank 93 of 158

Equity / Assets

14.83%

Rank 79 of 159

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-2.36%0.00%0.40%1.00%Beats 4%153 / 159
Return on Equity-15.91%0.04%2.43%6.24%Beats 3%154 / 159
Net Interest Margin5.72%2.79%3.84%4.44%Beats 92%12 / 159
Efficiency Ratio88.79%74.21%85.84%96.50%Beats 42%93 / 158
Asset Quality
Nonperforming Loans / Loans7.21%0.42%1.27%2.96%Beats 9%145 / 158
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio14.83%10.80%14.61%21.35%Beats 50%79 / 159
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets14.83%10.80%14.61%21.35%Beats 50%79 / 159
Liquidity & Funding
Loans / Deposits56.62%27.85%44.27%75.14%58th pctl66 / 159
Loans / Assets46.37%22.38%35.34%62.74%59th pctl65 / 159
Brokered Deposits / Depositsn/aNot reported for this institution