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.
Capital
19
Asset Quality
79
Profitability
71
Liquidity
27
Efficiency
55
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.
Whitestone, NY · Charter 21630
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 | 0.66% | 0.38% | 0.78% | 0.61% | 0.63% | 0.52% | 0.91% | 0.78% | +16 bps | |
| Return on Equity | 7.22% | 4.44% | 8.75% | 6.84% | 6.52% | 5.76% | 10.06% | 7.91% | +107 bps | |
| Net Interest Margin | 3.57% | 3.21% | 3.85% | 3.82% | 4.02% | 3.72% | 3.91% | 4.14% | +32 bps | |
| Efficiency Ratio | 83.42% | 88.43% | 82.17% | 83.00% | 83.98% | 84.38% | 79.27% | 83.32% | +32 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.00% | 20.19% | 14.40% | 2.97% | -2.53% | 0.70% | 3.75% | -2.44% | -541 bps | |
| Loan Growth (YoY) | 5.75% | 2.68% | -3.18% | -4.09% | -4.99% | -4.21% | -3.84% | -6.52% | -243 bps | |
| Share Growth (YoY) | 15.92% | 22.35% | 23.26% | 2.98% | -4.28% | -0.18% | 4.24% | -3.54% | -652 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.23% | 0.21% | 0.28% | 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 | 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 | 9.11% | 8.59% | 8.86% | 8.98% | 9.72% | 9.05% | 9.09% | 9.82% | +84 bps | |
| Net Worth / Assets | 9.11% | 8.59% | 8.86% | 8.98% | 9.72% | 9.05% | 9.09% | 9.82% | +84 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.95% | 83.86% | 83.13% | 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% | 0.00% | 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 | 8-Qtr Trend | 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 | ||||||