PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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