PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Educational and Governmental

Hartsdale, NY · Charter 2346

NCUA · 2 branches

Q2 2026

$56.1MAssets
$16.0MLoans
$48.9MShares
$6.2MNet 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 -0.15%, down 17 bps year over year; NIM at 4.19%.
  • Asset quality: problem loans at 1.04% of loans (+1 bps YoY).
  • Capital: net worth / assets of 10.97%, up 79 bps from a year ago.
  • Funding: loans stand at 32.67% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.15%-17 bps YoY

Net Interest Margin (YTD, annualized)

4.19%+67 bps YoY

Efficiency Ratio (YTD, annualized)

98.49%+270 bps YoY

Net Worth / Assets

10.97%+79 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.02%0.12%0.13%0.36%-0.15%-17 bps
Return on Equity0.18%1.11%1.17%3.25%-1.37%-155 bps
Net Interest Margin3.51%3.78%3.85%4.14%4.19%+67 bps
Efficiency Ratio95.78%93.32%94.90%90.07%98.49%+270 bps
Growth
Asset Growth (YoY)8.63%8.12%-2.24%1.40%-4.50%-1,312 bps
Loan Growth (YoY)18.14%11.92%-1.34%-4.92%-4.48%-2,263 bps
Share Growth (YoY)5.12%6.50%-4.68%-5.70%-5.03%-1,014 bps
Asset Quality
Delinquent Loans / Loans1.03%2.89%3.25%1.34%1.04%+1 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 Capital10.18%10.79%10.73%11.09%10.97%+79 bps
Net Worth / Assets10.18%10.79%10.73%11.09%10.97%+79 bps
Liquidity & Funding
Loans / Shares32.48%32.81%33.31%31.80%32.67%+19 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps