Jamaica, NY · Charter 23658
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
84
Asset Quality
100
Profitability
55
Liquidity
12
Efficiency
66
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.
Jamaica, NY · Charter 23658
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.54% | 0.92% | 0.06% | 1.08% | 1.12% | -41 bps | |
| Return on Equity | 5.54% | 3.47% | 0.24% | 4.20% | 4.31% | -123 bps | |
| Net Interest Margin | 4.09% | 3.20% | 2.22% | 2.76% | 3.14% | -95 bps | |
| Efficiency Ratio | 63.35% | 72.07% | 97.33% | 60.93% | 64.90% | +155 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.55% | 5.14% | 2.87% | 3.93% | 5.93% | +238 bps | |
| Loan Growth (YoY) | -36.82% | -38.51% | 8.30% | 25.93% | 139.81% | +17,663 bps | |
| Share Growth (YoY) | 3.37% | 5.79% | 4.25% | 5.38% | 9.31% | +594 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 5.52% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 18.87% | 19.72% | 13.41% | 10.82% | 7.87% | -1,100 bps | |
| Capital | |||||||
| Risk-Based Capital | 27.76% | 26.57% | 26.42% | 25.79% | 26.10% | -166 bps | |
| Net Worth / Assets | 27.76% | 26.57% | 26.42% | 25.79% | 26.10% | -166 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 8.71% | 7.86% | 11.70% | 13.86% | 19.12% | +1,040 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Jamaica, NY · Charter 23658 · 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
1.12%
Rank 34 of 159
Net Interest Margin
2.79%
Rank 120 of 159
Efficiency Ratio
80.00%
Rank 57 of 158
Equity / Assets
25.98%
Rank 26 of 159
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.12% | 0.00% | 0.40% | 1.00% | Beats 79% | 34 / 159 | |
| Return on Equity | 4.30% | 0.04% | 2.43% | 6.24% | Beats 62% | 60 / 159 | |
| Net Interest Margin | 2.79% | 2.79% | 3.84% | 4.44% | Beats 25% | 120 / 159 | |
| Efficiency Ratio | 80.00% | 74.21% | 85.84% | 96.50% | Beats 66% | 57 / 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 | 25.98% | 10.80% | 14.61% | 21.35% | Beats 84% | 26 / 159 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 25.98% | 10.80% | 14.61% | 21.35% | Beats 84% | 26 / 159 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 19.12% | 27.85% | 44.27% | 75.14% | 15th pctl | 135 / 159 | |
| Loans / Assets | 13.41% | 22.38% | 35.34% | 62.74% | 12th pctl | 140 / 159 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||