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Metro Realtors

Melville, NY · Charter 20857

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

17

Q2 2024Q2 2026peer median (50)

Asset Quality

75

Q2 2024Q2 2026peer median (50)

Profitability

7

Q2 2024Q2 2026peer median (50)

Liquidity

19

Q2 2024Q2 2026peer median

Efficiency

3

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

Metro Realtors

Melville, NY · Charter 20857

NCUA · 1 branch

Q2 2026

$10.6MAssets
$7.9MLoans
$9.5MShares
$1.0MNet 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 -3.11%, down 230 bps year over year; NIM at 2.65%.
  • Asset quality: problem loans at 0.50% of loans (-119 bps YoY).
  • Capital: net worth / assets of 9.61%, down 133 bps from a year ago.
  • Funding: loans stand at 83.10% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-3.11%-230 bps YoY

Net Interest Margin (YTD, annualized)

2.65%-84 bps YoY

Efficiency Ratio (YTD, annualized)

180.74%+6,770 bps YoY

Net Worth / Assets

9.61%-133 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.81%-1.05%-1.35%-2.93%-3.11%-230 bps
Return on Equity-7.42%-9.59%-12.49%-29.16%-32.40%-2,498 bps
Net Interest Margin3.50%3.33%3.31%2.35%2.65%-84 bps
Efficiency Ratio113.04%126.77%135.32%194.72%180.74%+6,770 bps
Growth
Asset Growth (YoY)-12.30%-13.14%-10.34%-9.83%-10.65%+165 bps
Loan Growth (YoY)-21.91%-20.08%-18.11%-18.44%-17.07%+484 bps
Share Growth (YoY)-12.55%-13.84%-10.74%-9.49%-9.79%+277 bps
Asset Quality
Delinquent Loans / Loans1.68%1.21%1.99%0.66%0.50%-119 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 Capital10.94%10.91%10.80%10.05%9.61%-133 bps
Net Worth / Assets10.94%10.91%10.80%10.05%9.61%-133 bps
Liquidity & Funding
Loans / Shares90.40%89.88%88.48%82.06%83.10%-730 bps
Liquid Assets / Assets0.00%100.11%100.11%100.00%100.00%+10,000 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

Metro Realtors

Melville, NY · Charter 20857 · 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

$10.6MAssets
$7.9MLoans
$9.5MShares
$1.0MNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 75% of credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 41 of 158).
  • Widest gap: return on equity trails 99% of credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 157 of 159).
  • Overall: at or above the peer median on 1 of 7 directional measures.

Return on Assets

-3.11%

Rank 154 of 159

Net Interest Margin

2.65%

Rank 130 of 159

Efficiency Ratio

180.63%

Rank 155 of 158

Equity / Assets

9.61%

Rank 132 of 159

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-3.11%0.00%0.40%1.00%Beats 3%154 / 159
Return on Equity-32.32%0.04%2.43%6.24%Beats 1%157 / 159
Net Interest Margin2.65%2.79%3.84%4.44%Beats 18%130 / 159
Efficiency Ratio180.63%74.21%85.84%96.50%Beats 3%155 / 158
Asset Quality
Nonperforming Loans / Loans0.49%0.42%1.27%2.96%Beats 75%41 / 158
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio9.61%10.80%14.61%21.35%Beats 17%132 / 159
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets9.61%10.80%14.61%21.35%Beats 17%132 / 159
Liquidity & Funding
Loans / Deposits83.10%27.85%44.27%75.14%81st pctl30 / 159
Loans / Assets74.61%22.38%35.34%62.74%89th pctl18 / 159
Brokered Deposits / Depositsn/aNot reported for this institution