New York, NY · Charter 23958
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
69
Asset Quality
57
Profitability
73
Liquidity
17
Efficiency
68
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.
New York, NY · Charter 23958
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 | 1.29% | 1.27% | 1.61% | 2.28% | 1.92% | 1.78% | 0.86% | 0.93% | -134 bps | |
| Return on Equity | 7.41% | 7.07% | 8.93% | 12.11% | 10.11% | 9.22% | 4.61% | 5.02% | -708 bps | |
| Net Interest Margin | 4.87% | 4.98% | 4.97% | 5.10% | 5.08% | 5.09% | 4.62% | 4.59% | -51 bps | |
| Efficiency Ratio | 66.53% | 68.20% | 72.35% | 66.05% | 66.69% | 67.94% | 80.38% | 79.30% | +1,325 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.70% | 0.77% | -0.16% | -2.04% | 0.44% | 1.96% | 3.85% | 7.70% | +975 bps | |
| Loan Growth (YoY) | 8.89% | 13.12% | 18.65% | 18.91% | 13.29% | 11.18% | 6.68% | 6.38% | -1,253 bps | |
| Share Growth (YoY) | 0.01% | -0.43% | -2.36% | -4.57% | -2.31% | 0.24% | 4.35% | 8.59% | +1,316 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.74% | 0.45% | 0.39% | 0.95% | 0.94% | 0.96% | 1.14% | 1.02% | +7 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 | 17.45% | 17.93% | 17.98% | 18.80% | 19.04% | 19.32% | 18.76% | 18.59% | -22 bps | |
| Net Worth / Assets | 17.45% | 17.93% | 17.98% | 18.80% | 19.04% | 19.32% | 18.76% | 18.59% | -22 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 74.71% | 80.21% | 82.54% | 85.76% | 86.64% | 88.96% | 84.39% | 84.01% | -175 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
New York, NY · Charter 23958 · 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
0.93%
Rank 44 of 159
Net Interest Margin
4.59%
Rank 32 of 159
Efficiency Ratio
79.30%
Rank 52 of 158
Equity / Assets
18.59%
Rank 50 of 159
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.93% | 0.00% | 0.40% | 1.00% | Beats 72% | 44 / 159 | ||
| Return on Equity | 5.03% | 0.04% | 2.43% | 6.24% | Beats 67% | 52 / 159 | ||
| Net Interest Margin | 4.59% | 2.79% | 3.84% | 4.44% | Beats 80% | 32 / 159 | ||
| Efficiency Ratio | 79.30% | 74.21% | 85.84% | 96.50% | Beats 68% | 52 / 158 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.02% | 0.42% | 1.27% | 2.96% | Beats 57% | 69 / 158 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 18.59% | 10.80% | 14.61% | 21.35% | Beats 69% | 50 / 159 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 18.59% | 10.80% | 14.61% | 21.35% | Beats 69% | 50 / 159 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 84.01% | 27.85% | 44.27% | 75.14% | 83rd pctl | 27 / 159 | ||
| Loans / Assets | 67.58% | 22.38% | 35.34% | 62.74% | 80th pctl | 32 / 159 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||