New York, NY · Charter 23177
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
67
Asset Quality
100
Profitability
44
Liquidity
80
Efficiency
21
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 23177
NCUA · 1 branch
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 | 3.39% | 3.22% | 1.98% | 2.74% | 3.62% | 1.98% | 3.22% | 0.03% | -271 bps | |
| Return on Equity | 23.54% | 21.55% | 13.17% | 17.27% | 21.09% | 10.69% | 16.66% | 0.17% | -1,710 bps | |
| Net Interest Margin | 5.01% | 4.76% | 8.20% | 6.25% | 5.64% | 5.95% | 4.62% | 4.38% | -188 bps | |
| Efficiency Ratio | 36.26% | 36.66% | 77.41% | 59.64% | 40.80% | 69.44% | 40.91% | 99.39% | +3,975 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -40.85% | -40.59% | -4.04% | -7.29% | -2.76% | -4.34% | -6.42% | -7.33% | -3 bps | |
| Loan Growth (YoY) | 42.35% | -6.85% | -6.52% | -5.94% | -6.38% | -14.70% | -16.93% | -17.42% | -1,148 bps | |
| Share Growth (YoY) | -45.82% | -45.68% | -7.61% | -11.10% | -5.92% | -8.42% | -11.10% | -10.35% | +75 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 13.82% | 13.13% | 13.68% | 14.55% | 14.76% | 15.40% | 17.19% | 18.40% | +384 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.38% | 14.94% | 15.06% | 15.85% | 17.17% | 18.57% | 19.31% | 18.59% | +275 bps | |
| Net Worth / Assets | 14.38% | 14.94% | 15.06% | 15.85% | 17.17% | 18.57% | 19.31% | 18.59% | +275 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 62.65% | 65.62% | 61.53% | 58.02% | 62.35% | 61.12% | 57.49% | 53.44% | -458 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
New York, NY · Charter 23177 · 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
0.00%
Rank 121 of 159
Net Interest Margin
5.19%
Rank 20 of 159
Efficiency Ratio
100.00%
Rank 127 of 158
Equity / Assets
18.18%
Rank 52 of 159
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.00% | 0.00% | 0.40% | 1.00% | Beats 23% | 121 / 159 | ||
| Return on Equity | 0.00% | 0.04% | 2.43% | 6.24% | Beats 23% | 121 / 159 | ||
| Net Interest Margin | 5.19% | 2.79% | 3.84% | 4.44% | Beats 87% | 20 / 159 | ||
| Efficiency Ratio | 100.00% | 74.21% | 85.84% | 96.50% | Beats 21% | 127 / 158 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.42% | 1.27% | 2.96% | Beats 100% | 18 / 158 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 18.18% | 10.80% | 14.61% | 21.35% | Beats 67% | 52 / 159 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 18.18% | 10.80% | 14.61% | 21.35% | Beats 67% | 52 / 159 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 53.97% | 27.85% | 44.27% | 75.14% | 57th pctl | 68 / 159 | ||
| Loans / Assets | 44.16% | 22.38% | 35.34% | 62.74% | 57th pctl | 69 / 159 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||