PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Polish & Slavic

Brooklyn, NY · Charter 22592

NCUA · 24 branches

Q2 2026

$2.7BAssets
$1.7BLoans
$2.5BShares
$309.8MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.52%, down 13 bps year over year; NIM at 3.06%.
  • Asset quality: problem loans at 0.31% of loans (-13 bps YoY).
  • Capital: net worth / assets of 11.32%, up 52 bps from a year ago.
  • Funding: loans stand at 66.35% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.52%-13 bps YoY

Net Interest Margin (YTD, annualized)

3.06%+11 bps YoY

Efficiency Ratio (YTD, annualized)

79.95%+49 bps YoY

Net Worth / Assets

11.32%+52 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.65%0.94%0.90%0.77%0.52%-13 bps
Return on Equity6.04%8.51%8.04%6.86%4.62%-142 bps
Net Interest Margin2.95%2.95%2.97%3.06%3.06%+11 bps
Efficiency Ratio79.46%73.40%74.20%77.41%79.95%+49 bps
Growth
Asset Growth (YoY)4.02%3.60%4.54%3.32%2.71%-132 bps
Loan Growth (YoY)2.90%2.84%2.65%3.68%4.53%+163 bps
Share Growth (YoY)1.99%2.32%2.37%2.02%1.66%-33 bps
Asset Quality
Delinquent Loans / Loans0.44%0.49%0.49%0.26%0.31%-13 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.80%11.04%11.16%11.26%11.32%+52 bps
Net Worth / Assets10.80%11.04%11.16%11.26%11.32%+52 bps
Liquidity & Funding
Loans / Shares64.53%64.37%64.93%64.98%66.35%+182 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps