Whitestone, NY · Charter 21630
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 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.
Trailing 9 quarters, through Q2 2026
Capital
19
Asset Quality
79
Profitability
71
Liquidity
27
Efficiency
55
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is a stronger peer standing, and the peer median is fixed at 50. Liquidity, Growth: closeness to the peer median, 100 at the median.
Whitestone, NY · Charter 21630
NCUA · 3 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.61% | 0.63% | 0.52% | 0.91% | 0.78% | +16 bps | |
| Return on Equity | 6.84% | 6.52% | 5.76% | 10.06% | 7.91% | +107 bps | |
| Net Interest Margin | 3.82% | 4.02% | 3.72% | 3.91% | 4.14% | +32 bps | |
| Efficiency Ratio | 83.00% | 83.98% | 84.38% | 79.27% | 83.32% | +32 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.97% | -2.53% | 0.70% | 3.75% | -2.44% | -541 bps | |
| Loan Growth (YoY) | -4.09% | -4.99% | -4.21% | -3.84% | -6.52% | -243 bps | |
| Share Growth (YoY) | 2.98% | -4.28% | -0.18% | 4.24% | -3.54% | -652 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.29% | 0.52% | 0.41% | 0.86% | 0.32% | -97 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.98% | 9.72% | 9.05% | 9.09% | 9.82% | +84 bps | |
| Net Worth / Assets | 8.98% | 9.72% | 9.05% | 9.09% | 9.82% | +84 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 81.83% | 88.29% | 80.47% | 76.69% | 79.31% | -252 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Whitestone, NY · Charter 21630 · Peer group: credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=158-159)
NCUA · 3 branches
Q2 2026
Return on Assets
0.78%
Rank 53 of 159
Net Interest Margin
4.13%
Rank 57 of 159
Efficiency Ratio
83.37%
Rank 72 of 158
Equity / Assets
9.82%
Rank 129 of 159
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.78% | 0.00% | 0.40% | 1.00% | Beats 67% | 53 / 159 | |
| Return on Equity | 7.91% | 0.04% | 2.43% | 6.24% | Beats 81% | 31 / 159 | |
| Net Interest Margin | 4.13% | 2.79% | 3.84% | 4.44% | Beats 64% | 57 / 159 | |
| Efficiency Ratio | 83.37% | 74.21% | 85.84% | 96.50% | Beats 55% | 72 / 158 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.32% | 0.42% | 1.27% | 2.96% | Beats 79% | 34 / 158 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.82% | 10.80% | 14.61% | 21.35% | Beats 19% | 129 / 159 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.82% | 10.80% | 14.61% | 21.35% | Beats 19% | 129 / 159 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 79.31% | 27.85% | 44.27% | 75.14% | 77th pctl | 37 / 159 | |
| Loans / Assets | 67.94% | 22.38% | 35.34% | 62.74% | 81st pctl | 30 / 159 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||