PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

B.S. and C.P. Hospitals Employees

Bronx, NY · Charter 20585

NCUA · 2 branches

Q2 2026

$1.0MAssets
$897KLoans
$667KShares
$347KNet 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 2.52%, 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.

Financial Results

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.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets3.01%2.48%0.11%1.53%2.52%-49 bps
Return on Equity9.50%7.30%0.33%4.53%7.36%-214 bps
Net Interest Margin7.14%7.20%5.12%6.37%6.86%-28 bps
Efficiency Ratio58.20%65.99%98.04%76.46%64.29%+609 bps
Growth
Asset Growth (YoY)17.31%22.37%2.27%1.62%-8.04%-2,535 bps
Loan Growth (YoY)25.09%28.29%0.05%5.37%-2.44%-2,753 bps
Share Growth (YoY)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 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.11%0.10%0.00%0.11%0.11%0 bps
Capital
Risk-Based Capital31.70%33.99%33.04%33.80%34.20%+250 bps
Net Worth / Assets31.70%33.99%33.04%33.80%34.20%+250 bps
Liquidity & Funding
Loans / Shares122.25%141.30%133.15%143.61%134.62%+1,238 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps