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Academic

Briarcliff Mano, NY · Charter 23425

NCUA · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area3

Basis

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.

Peer group

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.

Peer standing

Capital

30

Q2 2024Q2 2026peer median (50)

Asset Quality

49

Q2 2024Q2 2026peer median (50)

Profitability

66

Q2 2024Q2 2026peer median (50)

Liquidity

70

Q2 2024Q2 2026peer median

Efficiency

82

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Academic

Briarcliff Mano, NY · Charter 23425

NCUA · 1 branch

Q2 2026

$33.7MAssets
$10.7MLoans
$29.8MShares
$3.9MNet 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 1.22%, up 125 bps year over year; NIM at 2.84%.
  • Asset quality: problem loans at 1.34% of loans (-149 bps YoY).
  • Capital: net worth / assets of 11.44%, up 153 bps from a year ago.
  • Funding: loans stand at 35.81% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.22%+125 bps YoY

Net Interest Margin (YTD, annualized)

2.84%+48 bps YoY

Efficiency Ratio (YTD, annualized)

66.17%-3,505 bps YoY

Net Worth / Assets

11.44%+153 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.03%0.73%0.62%-0.08%1.22%+125 bps
Return on Equity-0.34%6.90%5.89%-0.81%10.64%+1,098 bps
Net Interest Margin2.36%2.45%2.48%2.54%2.84%+48 bps
Efficiency Ratio101.21%98.74%96.34%102.86%66.17%-3,505 bps
Growth
Asset Growth (YoY)-0.16%2.23%-1.17%4.49%-2.60%-244 bps
Loan Growth (YoY)-12.32%-10.28%-9.69%-9.70%-9.81%+251 bps
Share Growth (YoY)-0.79%0.83%-2.79%4.10%-4.27%-348 bps
Asset Quality
Delinquent Loans / Loans2.82%0.72%1.38%1.74%1.34%-149 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 Capital9.91%10.54%10.51%10.08%11.44%+153 bps
Net Worth / Assets9.91%10.54%10.51%10.08%11.44%+153 bps
Liquidity & Funding
Loans / Shares38.01%38.57%37.15%34.27%35.81%-220 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Academic

Briarcliff Mano, NY · Charter 23425 · 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

$33.7MAssets
$10.7MLoans
$29.8MShares
$3.9MNet Worth

Executive Summary

  • Strongest standing: return on equity outperforms 89% of credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 17 of 159).
  • Widest gap: net interest margin trails 74% of credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 118 of 159).
  • Overall: at or above the peer median on 3 of 7 directional measures.

Return on Assets

1.22%

Rank 29 of 159

Net Interest Margin

2.84%

Rank 118 of 159

Efficiency Ratio

66.24%

Rank 30 of 158

Equity / Assets

11.44%

Rank 112 of 159

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.22%0.00%0.40%1.00%Beats 82%29 / 159
Return on Equity10.63%0.04%2.43%6.24%Beats 89%17 / 159
Net Interest Margin2.84%2.79%3.84%4.44%Beats 26%118 / 159
Efficiency Ratio66.24%74.21%85.84%96.50%Beats 82%30 / 158
Asset Quality
Nonperforming Loans / Loans1.33%0.42%1.27%2.96%Beats 49%82 / 158
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio11.44%10.80%14.61%21.35%Beats 30%112 / 159
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets11.44%10.80%14.61%21.35%Beats 30%112 / 159
Liquidity & Funding
Loans / Deposits35.81%27.85%44.27%75.14%36th pctl102 / 159
Loans / Assets31.65%22.38%35.34%62.74%41st pctl94 / 159
Brokered Deposits / Depositsn/aNot reported for this institution