Hartsdale, NY · Charter 2346
NCUA · 2 branches
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
26
Asset Quality
55
Profitability
35
Liquidity
59
Efficiency
23
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.
Hartsdale, NY · Charter 2346
NCUA · 2 branches
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 | -0.64% | 0.29% | 0.13% | 0.02% | 0.12% | 0.13% | 0.36% | -0.15% | -17 bps | |
| Return on Equity | -5.93% | 2.74% | 1.25% | 0.18% | 1.11% | 1.17% | 3.25% | -1.37% | -155 bps | |
| Net Interest Margin | 3.10% | 2.88% | 3.66% | 3.51% | 3.78% | 3.85% | 4.14% | 4.19% | +67 bps | |
| Efficiency Ratio | 114.90% | 91.11% | 96.79% | 95.78% | 93.32% | 94.90% | 90.07% | 98.49% | +270 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.02% | 5.05% | 2.24% | 8.63% | 8.12% | -2.24% | 1.40% | -4.50% | -1,312 bps | |
| Loan Growth (YoY) | 9.86% | 19.81% | 18.55% | 18.14% | 11.92% | -1.34% | -4.92% | -4.48% | -2,263 bps | |
| Share Growth (YoY) | -9.63% | 3.67% | 4.93% | 5.12% | 6.50% | -4.68% | -5.70% | -5.03% | -1,014 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.46% | 0.35% | 0.69% | 1.03% | 2.89% | 3.25% | 1.34% | 1.04% | +1 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.81% | 10.41% | 10.79% | 10.18% | 10.79% | 10.73% | 11.09% | 10.97% | +79 bps | |
| Net Worth / Assets | 10.81% | 10.41% | 10.79% | 10.18% | 10.79% | 10.73% | 11.09% | 10.97% | +79 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 31.22% | 32.19% | 31.54% | 32.48% | 32.81% | 33.31% | 31.80% | 32.67% | +19 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Hartsdale, NY · Charter 2346 · Peer group: credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=158-159)
NCUA · 2 branches
Q2 2026
Return on Assets
-0.15%
Rank 128 of 159
Net Interest Margin
4.19%
Rank 52 of 159
Efficiency Ratio
98.44%
Rank 123 of 158
Equity / Assets
10.98%
Rank 118 of 159
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.15% | 0.00% | 0.40% | 1.00% | Beats 19% | 128 / 159 | ||
| Return on Equity | -1.36% | 0.04% | 2.43% | 6.24% | Beats 19% | 128 / 159 | ||
| Net Interest Margin | 4.19% | 2.79% | 3.84% | 4.44% | Beats 67% | 52 / 159 | ||
| Efficiency Ratio | 98.44% | 74.21% | 85.84% | 96.50% | Beats 23% | 123 / 158 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.04% | 0.42% | 1.27% | 2.96% | Beats 55% | 72 / 158 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.98% | 10.80% | 14.61% | 21.35% | Beats 26% | 118 / 159 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.98% | 10.80% | 14.61% | 21.35% | Beats 26% | 118 / 159 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 32.67% | 27.85% | 44.27% | 75.14% | 35th pctl | 104 / 159 | ||
| Loans / Assets | 28.44% | 22.38% | 35.34% | 62.74% | 38th pctl | 99 / 159 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||