Johnson City, NY · Charter 21586
NCUA · 3 branches
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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
27
Asset Quality
32
Profitability
78
Liquidity
49
Efficiency
16
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.
Johnson City, NY · Charter 21586
NCUA · 3 branches
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 | 0.46% | 0.66% | -0.52% | 0.75% | -0.01% | 0.24% | 2.11% | 1.38% | +63 bps | |
| Return on Equity | 4.63% | 6.34% | -4.83% | 6.98% | -0.14% | 2.32% | 19.69% | 12.97% | +599 bps | |
| Net Interest Margin | 4.29% | 4.19% | 3.98% | 4.26% | 4.30% | 4.23% | 3.98% | 3.95% | -31 bps | |
| Efficiency Ratio | 76.69% | 77.75% | 78.58% | 81.06% | 81.29% | 85.85% | 82.25% | 91.19% | +1,013 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.50% | 5.21% | 5.28% | 1.98% | 2.23% | 1.52% | 0.56% | 6.88% | +491 bps | |
| Loan Growth (YoY) | -6.13% | -8.54% | -9.48% | -9.48% | -9.71% | -12.87% | -10.21% | -11.91% | -243 bps | |
| Share Growth (YoY) | -1.37% | 5.12% | 4.03% | 0.96% | 2.13% | 1.44% | 0.57% | 6.84% | +588 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.00% | 1.38% | 1.00% | 0.98% | 0.71% | 0.19% | 0.20% | 1.05% | +6 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 | 1.79% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.04% | 10.36% | 10.76% | 10.77% | 10.37% | 10.42% | 10.73% | 10.66% | -11 bps | |
| Net Worth / Assets | 10.04% | 10.36% | 10.76% | 10.77% | 10.37% | 10.42% | 10.73% | 10.66% | -11 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.85% | 68.26% | 62.99% | 64.99% | 62.63% | 58.63% | 56.24% | 53.59% | -1,140 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Johnson City, NY · Charter 21586 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
1.38%
Rank 299 of 1,683
Net Interest Margin
3.94%
Rank 718 of 1,683
Efficiency Ratio
91.27%
Rank 1,418 of 1,682
Equity / Assets
10.66%
Rank 1,227 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.38% | 0.35% | 0.74% | 1.18% | Beats 82% | 299 / 1,683 | ||
| Return on Equity | 12.99% | 2.67% | 5.89% | 8.74% | Beats 95% | 89 / 1,681 | ||
| Net Interest Margin | 3.94% | 3.31% | 3.82% | 4.32% | Beats 57% | 718 / 1,683 | ||
| Efficiency Ratio | 91.27% | 68.91% | 78.20% | 86.93% | Beats 16% | 1,418 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.05% | 0.26% | 0.65% | 1.29% | Beats 32% | 1,153 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.66% | 10.44% | 12.89% | 16.53% | Beats 27% | 1,227 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.66% | 10.44% | 12.89% | 16.53% | Beats 27% | 1,227 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 53.59% | 52.61% | 69.38% | 83.50% | 26th pctl | 1,244 / 1,683 | ||
| Loans / Assets | 47.49% | 44.71% | 59.18% | 70.72% | 30th pctl | 1,185 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||