Roslyn, NY · Charter 22456
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
57
Asset Quality
35
Profitability
63
Liquidity
63
Efficiency
71
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.
Roslyn, NY · Charter 22456
NCUA · 1 branch
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 | 0.72% | 0.76% | 0.85% | 0.87% | 0.86% | +14 bps | |
| Return on Equity | 4.84% | 5.07% | 5.49% | 5.79% | 5.50% | +66 bps | |
| Net Interest Margin | 3.41% | 3.41% | 3.50% | 3.62% | 3.68% | +27 bps | |
| Efficiency Ratio | 78.57% | 78.03% | 76.76% | 76.36% | 76.92% | -165 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.21% | -0.06% | 0.52% | 1.76% | 0.11% | -10 bps | |
| Loan Growth (YoY) | -1.86% | -4.14% | -2.42% | -2.95% | -2.13% | -27 bps | |
| Share Growth (YoY) | -0.58% | -0.99% | -0.37% | 1.05% | -0.89% | -30 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.83% | 0.84% | 1.88% | 1.90% | 2.06% | +123 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 | 14.90% | 14.93% | 15.44% | 15.11% | 15.69% | +79 bps | |
| Net Worth / Assets | 14.90% | 14.93% | 15.44% | 15.11% | 15.69% | +79 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 62.68% | 61.50% | 63.04% | 59.10% | 61.89% | -78 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Roslyn, NY · Charter 22456 · 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
0.86%
Rank 45 of 159
Net Interest Margin
3.68%
Rank 89 of 159
Efficiency Ratio
77.01%
Rank 47 of 158
Equity / Assets
15.69%
Rank 68 of 159
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.86% | 0.00% | 0.40% | 1.00% | Beats 72% | 45 / 159 | |
| Return on Equity | 5.49% | 0.04% | 2.43% | 6.24% | Beats 72% | 44 / 159 | |
| Net Interest Margin | 3.68% | 2.79% | 3.84% | 4.44% | Beats 44% | 89 / 159 | |
| Efficiency Ratio | 77.01% | 74.21% | 85.84% | 96.50% | Beats 71% | 47 / 158 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 2.06% | 0.42% | 1.27% | 2.96% | Beats 35% | 104 / 158 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 15.69% | 10.80% | 14.61% | 21.35% | Beats 57% | 68 / 159 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 15.69% | 10.80% | 14.61% | 21.35% | Beats 57% | 68 / 159 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 61.89% | 27.85% | 44.27% | 75.14% | 65th pctl | 56 / 159 | |
| Loans / Assets | 52.05% | 22.38% | 35.34% | 62.74% | 65th pctl | 56 / 159 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||