Jamaica, NY · Charter 20885
NCUA · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
16
Asset Quality
71
Profitability
80
Liquidity
50
Efficiency
77
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.
Jamaica, NY · Charter 20885
NCUA · 1 branch
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.43% | 0.53% | 0.05% | 0.51% | 0.64% | 0.75% | 0.91% | 0.94% | +43 bps | |
| Return on Equity | 5.23% | 6.14% | 0.58% | 5.84% | 7.25% | 8.10% | 9.90% | 9.88% | +405 bps | |
| Net Interest Margin | 3.38% | 3.59% | 3.78% | 3.90% | 4.00% | 4.17% | 4.55% | 4.55% | +66 bps | |
| Efficiency Ratio | 82.69% | 79.51% | 85.32% | 78.86% | 78.80% | 76.45% | 74.10% | 72.10% | -676 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.63% | -1.49% | 0.70% | 1.88% | 0.60% | 2.32% | 1.87% | 1.30% | -58 bps | |
| Loan Growth (YoY) | 10.99% | -1.34% | 4.94% | 6.43% | 3.61% | 14.01% | -2.00% | -7.34% | -1,377 bps | |
| Share Growth (YoY) | 1.27% | -2.20% | 0.30% | 1.38% | -0.15% | 1.89% | 0.97% | 0.29% | -108 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.20% | 0.83% | 0.30% | 0.36% | 0.36% | 0.41% | 0.44% | 0.70% | +34 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.18% | 8.66% | 8.41% | 8.67% | 8.80% | 9.21% | 9.20% | 9.51% | +84 bps | |
| Net Worth / Assets | 8.18% | 8.66% | 8.41% | 8.67% | 8.80% | 9.21% | 9.20% | 9.51% | +84 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 30.11% | 30.52% | 32.19% | 32.60% | 31.24% | 34.15% | 31.25% | 30.12% | -248 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Jamaica, NY · Charter 20885 · 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
Return on Assets
0.94%
Rank 43 of 159
Net Interest Margin
4.55%
Rank 34 of 159
Efficiency Ratio
72.16%
Rank 38 of 158
Equity / Assets
9.51%
Rank 134 of 159
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.94% | 0.00% | 0.40% | 1.00% | Beats 73% | 43 / 159 | ||
| Return on Equity | 9.86% | 0.04% | 2.43% | 6.24% | Beats 88% | 19 / 159 | ||
| Net Interest Margin | 4.55% | 2.79% | 3.84% | 4.44% | Beats 79% | 34 / 159 | ||
| Efficiency Ratio | 72.16% | 74.21% | 85.84% | 96.50% | Beats 77% | 38 / 158 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.70% | 0.42% | 1.27% | 2.96% | Beats 71% | 47 / 158 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.51% | 10.80% | 14.61% | 21.35% | Beats 16% | 134 / 159 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.51% | 10.80% | 14.61% | 21.35% | Beats 16% | 134 / 159 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 30.12% | 27.85% | 44.27% | 75.14% | 28th pctl | 114 / 159 | ||
| Loans / Assets | 27.18% | 22.38% | 35.34% | 62.74% | 33rd pctl | 106 / 159 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||