Flushing, NY · Charter 23503
NCUA · 4 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
36
Asset Quality
100
Profitability
28
Liquidity
2
Efficiency
19
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.
Flushing, NY · Charter 23503
NCUA · 4 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 | -0.07% | -0.03% | -0.23% | -0.06% | -0.03% | 0.05% | -0.75% | -0.03% | +3 bps | |
| Return on Equity | -0.61% | -0.28% | -2.07% | -0.51% | -0.24% | 0.45% | -6.47% | -0.25% | +26 bps | |
| Net Interest Margin | 3.17% | 3.13% | 3.42% | 3.42% | 3.46% | 3.47% | 3.35% | 3.51% | +9 bps | |
| Efficiency Ratio | 101.96% | 100.89% | 106.22% | 101.57% | 100.75% | 98.59% | 121.05% | 100.82% | -74 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.82% | 9.81% | 3.24% | 5.28% | -4.88% | -7.46% | -4.47% | -6.69% | -1,197 bps | |
| Loan Growth (YoY) | -3.77% | -0.56% | -0.18% | 1.69% | -0.46% | -4.66% | -5.47% | -6.47% | -815 bps | |
| Share Growth (YoY) | 3.85% | 10.85% | 3.52% | 6.05% | -5.75% | -8.47% | -4.77% | -7.37% | -1,342 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.13% | 0.10% | 0.12% | 0.14% | 0.00% | 0.00% | 0.00% | 0.00% | -14 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 | 0.13% | 0.10% | 0.10% | 0.10% | 0.09% | 0.07% | 0.07% | 0.03% | -7 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.95% | 10.69% | 11.14% | 11.31% | 11.51% | 11.60% | 11.59% | 12.20% | +88 bps | |
| Net Worth / Assets | 10.95% | 10.69% | 11.14% | 11.31% | 11.51% | 11.60% | 11.59% | 12.20% | +88 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.55% | 85.37% | 89.61% | 90.18% | 90.35% | 88.92% | 88.95% | 91.05% | +88 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Flushing, NY · Charter 23503 · Peer group: credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=158-159)
NCUA · 4 branches
Q2 2026
Return on Assets
-0.03%
Rank 123 of 159
Net Interest Margin
3.51%
Rank 96 of 159
Efficiency Ratio
100.88%
Rank 129 of 158
Equity / Assets
12.20%
Rank 102 of 159
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.03% | 0.00% | 0.40% | 1.00% | Beats 23% | 123 / 159 | ||
| Return on Equity | -0.27% | 0.04% | 2.43% | 6.24% | Beats 22% | 124 / 159 | ||
| Net Interest Margin | 3.51% | 2.79% | 3.84% | 4.44% | Beats 40% | 96 / 159 | ||
| Efficiency Ratio | 100.88% | 74.21% | 85.84% | 96.50% | Beats 19% | 129 / 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 | 12.20% | 10.80% | 14.61% | 21.35% | Beats 36% | 102 / 159 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.20% | 10.80% | 14.61% | 21.35% | Beats 36% | 102 / 159 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 91.05% | 27.85% | 44.27% | 75.14% | 88th pctl | 19 / 159 | ||
| Loans / Assets | 79.36% | 22.38% | 35.34% | 62.74% | 93rd pctl | 11 / 159 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||