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B.S. and C.P. Hospitals Employees

Bronx, NY · Charter 20585

NCUA · 2 branches

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

92

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

90

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

85

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

B.S. and C.P. Hospitals Employees

Bronx, NY · Charter 20585

NCUA · 2 branches

Q2 2026

$1.0MAssets
$897KLoans
$667KShares
$347KNet Worth

Executive Summary

  • Earnings: ROA of 2.52%, down 49 bps year over year; NIM at 6.86%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 34.20%, up 250 bps from a year ago.
  • Funding: loans stand at 134.62% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

2.52%-49 bps YoY

Net Interest Margin (YTD, annualized)

6.86%-28 bps YoY

Efficiency Ratio (YTD, annualized)

64.29%+609 bps YoY

Net Worth / Assets

34.20%+250 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.04%-0.99%4.15%3.01%2.48%0.11%1.53%2.52%-49 bps
Return on Equity4.86%-2.93%11.90%9.50%7.30%0.33%4.53%7.36%-214 bps
Net Interest Margin7.62%3.78%8.66%7.14%7.20%5.12%6.37%6.86%-28 bps
Efficiency Ratio73.64%123.47%52.14%58.20%65.99%98.04%76.46%64.29%+609 bps
Growth
Asset Growth (YoY)-24.54%-2.65%-3.86%17.31%22.37%2.27%1.62%-8.04%-2,535 bps
Loan Growth (YoY)-4.79%11.02%22.96%25.09%28.29%0.05%5.37%-2.44%-2,753 bps
Share Growth (YoY)-35.93%-2.44%-5.21%28.32%39.28%3.76%3.34%-11.41%-3,973 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.13%0.12%0.11%0.11%0.10%0.00%0.11%0.11%0 bps
Capital
Risk-Based Capital42.00%33.68%34.90%31.70%33.99%33.04%33.80%34.20%+250 bps
Net Worth / Assets42.00%33.68%34.90%31.70%33.99%33.04%33.80%34.20%+250 bps
Liquidity & Funding
Loans / Shares153.40%138.09%140.84%122.25%141.30%133.15%143.61%134.62%+1,238 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

B.S. and C.P. Hospitals Employees

Bronx, NY · Charter 20585 · Peer group: credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=158-159)

NCUA · 2 branches

Q2 2026

$1.0MAssets
$897KLoans
$667KShares
$347KNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 18 of 158).
  • Widest gap: return on equity trails 21% of credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 34 of 159).
  • Overall: at or above the peer median on 7 of 7 directional measures.

Return on Assets

2.57%

Rank 8 of 159

Net Interest Margin

6.91%

Rank 6 of 159

Efficiency Ratio

63.89%

Rank 25 of 158

Equity / Assets

34.25%

Rank 13 of 159

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets2.57%0.00%0.40%1.00%Beats 95%8 / 159
Return on Equity7.49%0.04%2.43%6.24%Beats 79%34 / 159
Net Interest Margin6.91%2.79%3.84%4.44%Beats 96%6 / 159
Efficiency Ratio63.89%74.21%85.84%96.50%Beats 85%25 / 158
Asset Quality
Nonperforming Loans / Loans0.00%0.42%1.27%2.96%Beats 100%18 / 158
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio34.25%10.80%14.61%21.35%Beats 92%13 / 159
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets34.25%10.80%14.61%21.35%Beats 92%13 / 159
Liquidity & Funding
Loans / Deposits134.48%27.85%44.27%75.14%99th pctl2 / 159
Loans / Assets88.55%22.38%35.34%62.74%98th pctl3 / 159
Brokered Deposits / Depositsn/aNot reported for this institution