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Lufthansa Emp.

Westbury, NY · Charter 20341

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

65

Q2 2024Q2 2026peer median (50)

Asset Quality

78

Q2 2024Q2 2026peer median (50)

Profitability

34

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

92

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

Lufthansa Emp.

Westbury, NY · Charter 20341

NCUA · 1 branch

Q2 2026

$95.2MAssets
$4.8MLoans
$78.7MShares
$16.6MNet Worth

Executive Summary

  • Earnings: ROA of 0.41%, up 17 bps year over year; NIM at 0.84%.
  • Asset quality: problem loans at 0.36% of loans (+9 bps YoY).
  • Capital: net worth / assets of 17.44%, up 138 bps from a year ago.
  • Funding: loans stand at 6.09% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.41%+17 bps YoY

Net Interest Margin (YTD, annualized)

0.84%+15 bps YoY

Efficiency Ratio (YTD, annualized)

56.45%-831 bps YoY

Net Worth / Assets

17.44%+138 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.10%0.10%0.23%0.24%0.34%0.32%0.46%0.41%+17 bps
Return on Equity0.63%0.65%1.46%1.49%2.05%1.90%2.69%2.34%+86 bps
Net Interest Margin0.47%0.46%0.71%0.69%0.73%0.74%0.84%0.84%+15 bps
Efficiency Ratio81.86%81.25%68.31%64.76%56.69%59.24%52.39%56.45%-831 bps
Growth
Asset Growth (YoY)-0.79%-0.69%-0.77%-1.16%-2.74%-3.54%-4.41%-5.69%-453 bps
Loan Growth (YoY)2.69%0.45%0.46%-0.01%-5.87%-6.82%-3.69%-13.05%-1,304 bps
Share Growth (YoY)-1.14%-0.71%-0.92%-1.40%-3.53%-4.73%-5.59%-7.12%-571 bps
Asset Quality
Delinquent Loans / Loans0.43%0.44%0.38%0.27%0.31%0.31%0.31%0.36%+9 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital15.68%15.74%15.96%16.07%16.40%16.63%17.07%17.44%+138 bps
Net Worth / Assets15.68%15.74%15.96%16.07%16.40%16.63%17.07%17.44%+138 bps
Liquidity & Funding
Loans / Shares6.58%6.42%6.36%6.51%6.42%6.28%6.49%6.09%-42 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%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

Lufthansa Emp.

Westbury, NY · Charter 20341 · 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

$95.2MAssets
$4.8MLoans
$78.7MShares
$16.6MNet Worth

Executive Summary

  • Strongest standing: efficiency ratio outperforms 92% of credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 14 of 158).
  • Widest gap: net interest margin trails 98% of credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 156 of 159).
  • Overall: at or above the peer median on 5 of 7 directional measures.

Return on Assets

0.41%

Rank 78 of 159

Net Interest Margin

0.84%

Rank 156 of 159

Efficiency Ratio

56.38%

Rank 14 of 158

Equity / Assets

17.44%

Rank 56 of 159

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.41%0.00%0.40%1.00%Beats 51%78 / 159
Return on Equity2.35%0.04%2.43%6.24%Beats 49%81 / 159
Net Interest Margin0.84%2.79%3.84%4.44%Beats 2%156 / 159
Efficiency Ratio56.38%74.21%85.84%96.50%Beats 92%14 / 158
Asset Quality
Nonperforming Loans / Loans0.35%0.42%1.27%2.96%Beats 78%36 / 158
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio17.44%10.80%14.61%21.35%Beats 65%56 / 159
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets17.44%10.80%14.61%21.35%Beats 65%56 / 159
Liquidity & Funding
Loans / Deposits6.09%27.85%44.27%75.14%4th pctl153 / 159
Loans / Assets5.03%22.38%35.34%62.74%4th pctl153 / 159
Brokered Deposits / Depositsn/aNot reported for this institution