New York, NY · Charter 22032
NCUA · 2 branches
Q3 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2025, the quarter ended September 30, 2025, 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=161 to 163). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
57
Asset Quality
20
Profitability
90
Liquidity
44
Efficiency
81
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.
New York, NY · Charter 22032
NCUA · 2 branches
Q3 2025
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.21% | 1.57% | 3.51% | 1.56% | 3.97% | +376 bps | |
| Return on Equity | 1.86% | 12.19% | 26.45% | 11.98% | 24.84% | +2,298 bps | |
| Net Interest Margin | 5.41% | 5.30% | 4.72% | 4.55% | 4.49% | -92 bps | |
| Efficiency Ratio | 96.63% | 78.27% | 67.25% | 81.54% | 64.68% | -3,195 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -12.43% | -7.63% | -5.10% | -3.47% | -0.79% | +1,165 bps | |
| Loan Growth (YoY) | 4.98% | -0.23% | -6.61% | -8.15% | -11.12% | -1,610 bps | |
| Share Growth (YoY) | -13.38% | -7.54% | -3.87% | -1.54% | -0.38% | +1,299 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.93% | 2.57% | 0.83% | 2.99% | 3.29% | +37 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 | 11.50% | 12.87% | 13.29% | 13.01% | 16.00% | +450 bps | |
| Net Worth / Assets | 11.50% | 12.87% | 13.29% | 13.01% | 16.00% | +450 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 80.83% | 81.29% | 74.14% | 70.35% | 72.12% | -871 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
New York, NY · Charter 22032 · Peer group: credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=161-163)
NCUA · 2 branches
Q3 2025
Return on Assets
3.97%
Rank 5 of 163
Net Interest Margin
4.48%
Rank 42 of 163
Efficiency Ratio
64.66%
Rank 32 of 162
Equity / Assets
16.00%
Rank 70 of 163
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.97% | 0.04% | 0.40% | 1.09% | Beats 97% | 5 / 163 | |
| Return on Equity | 24.84% | 0.29% | 2.84% | 6.52% | Beats 98% | 3 / 163 | |
| Net Interest Margin | 4.48% | 2.66% | 3.73% | 4.50% | Beats 74% | 42 / 163 | |
| Efficiency Ratio | 64.66% | 69.85% | 85.82% | 94.90% | Beats 81% | 32 / 162 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 3.29% | 0.45% | 1.08% | 2.58% | Beats 20% | 130 / 161 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 16.00% | 10.69% | 14.85% | 21.82% | Beats 57% | 70 / 163 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 16.00% | 10.69% | 14.85% | 21.81% | Beats 57% | 70 / 163 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 72.12% | 27.62% | 49.27% | 75.37% | 72nd pctl | 46 / 162 | |
| Loans / Assets | 58.63% | 23.14% | 37.90% | 62.96% | 71st pctl | 48 / 163 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||