Staten Island, NY · Charter 20336
NCUA · 1 branch
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
50
Asset Quality
9
Profitability
33
Liquidity
74
Efficiency
42
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.
Staten Island, NY · Charter 20336
NCUA · 1 branch
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 | 0.15% | 0.12% | -2.45% | -1.86% | -3.04% | -3.57% | 0.47% | -2.36% | -50 bps | |
| Return on Equity | 0.88% | 0.69% | -14.61% | -10.69% | -18.34% | -23.26% | 2.96% | -15.94% | -525 bps | |
| Net Interest Margin | 5.51% | 5.72% | 4.46% | 4.57% | 4.61% | 4.63% | 5.21% | 5.72% | +115 bps | |
| Efficiency Ratio | 82.66% | 84.27% | 116.39% | 113.59% | 139.26% | 128.19% | 93.54% | 88.79% | -2,480 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.95% | -12.85% | -8.10% | -8.69% | -11.25% | -5.88% | -8.46% | -5.86% | +283 bps | |
| Loan Growth (YoY) | -13.48% | -16.83% | -18.11% | -17.96% | -19.79% | -21.48% | -22.74% | -20.85% | -288 bps | |
| Share Growth (YoY) | -9.51% | -12.46% | -8.79% | -6.33% | -9.96% | -3.55% | -7.40% | -6.51% | -18 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.31% | 4.76% | 5.43% | 5.82% | 8.01% | 5.75% | 7.29% | 7.22% | +140 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 | 16.72% | 17.79% | 16.78% | 17.42% | 16.57% | 15.34% | 15.74% | 14.83% | -259 bps | |
| Net Worth / Assets | 16.72% | 17.79% | 16.78% | 17.42% | 16.57% | 15.34% | 15.74% | 14.83% | -259 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.60% | 72.46% | 68.58% | 66.88% | 64.67% | 58.98% | 57.22% | 56.62% | -1,026 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
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
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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer 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 Margin | 5.72% | 2.79% | 3.84% | 4.44% | Beats 92% | 12 / 159 | ||
| Efficiency Ratio | 88.79% | 74.21% | 85.84% | 96.50% | Beats 42% | 93 / 158 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 7.21% | 0.42% | 1.27% | 2.96% | Beats 9% | 145 / 158 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.83% | 10.80% | 14.61% | 21.35% | Beats 50% | 79 / 159 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 14.83% | 10.80% | 14.61% | 21.35% | Beats 50% | 79 / 159 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 56.62% | 27.85% | 44.27% | 75.14% | 58th pctl | 66 / 159 | ||
| Loans / Assets | 46.37% | 22.38% | 35.34% | 62.74% | 59th pctl | 65 / 159 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||