New York, NY · Charter 24232
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
75
Asset Quality
14
Profitability
59
Liquidity
0
Efficiency
28
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 24232
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 | 0.26% | 0.24% | 4.50% | 2.35% | 1.73% | 1.37% | 0.51% | 0.29% | -206 bps | |
| Return on Equity | 1.34% | 1.27% | 22.39% | 11.53% | 8.17% | 6.64% | 2.52% | 1.36% | -1,016 bps | |
| Net Interest Margin | 4.50% | 4.53% | 4.83% | 4.87% | 5.36% | 5.63% | 6.27% | 6.21% | +134 bps | |
| Efficiency Ratio | 95.34% | 93.05% | 55.67% | 71.02% | 78.16% | 82.22% | 91.85% | 95.39% | +2,436 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.43% | 1.37% | 2.08% | -1.36% | -4.18% | -2.93% | 0.57% | -4.47% | -312 bps | |
| Loan Growth (YoY) | 3.07% | 0.33% | -1.99% | -4.28% | -3.16% | -0.53% | 1.84% | 9.71% | +1,399 bps | |
| Share Growth (YoY) | -0.50% | 1.00% | 2.14% | -2.22% | -4.73% | -4.47% | 0.16% | -6.28% | -406 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 8.14% | 8.96% | 9.53% | 5.14% | 3.61% | 4.09% | 3.32% | 4.45% | -69 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 | 19.23% | 19.01% | 20.08% | 20.35% | 21.13% | 20.68% | 20.04% | 21.35% | +100 bps | |
| Net Worth / Assets | 19.23% | 19.01% | 20.08% | 20.35% | 21.13% | 20.68% | 20.04% | 21.35% | +100 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.68% | 83.42% | 82.62% | 82.52% | 87.09% | 86.87% | 84.00% | 96.60% | +1,408 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 24232 · 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
0.29%
Rank 88 of 159
Net Interest Margin
6.22%
Rank 9 of 159
Efficiency Ratio
95.38%
Rank 114 of 158
Equity / Assets
21.35%
Rank 40 of 159
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.29% | 0.00% | 0.40% | 1.00% | Beats 45% | 88 / 159 | ||
| Return on Equity | 1.36% | 0.04% | 2.43% | 6.24% | Beats 38% | 99 / 159 | ||
| Net Interest Margin | 6.22% | 2.79% | 3.84% | 4.44% | Beats 94% | 9 / 159 | ||
| Efficiency Ratio | 95.38% | 74.21% | 85.84% | 96.50% | Beats 28% | 114 / 158 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 4.45% | 0.42% | 1.27% | 2.96% | Beats 14% | 137 / 158 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 21.35% | 10.80% | 14.61% | 21.35% | Beats 75% | 40 / 159 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 21.35% | 10.80% | 14.61% | 21.35% | Beats 75% | 40 / 159 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 96.60% | 27.85% | 44.27% | 75.14% | 91st pctl | 14 / 159 | ||
| Loans / Assets | 70.36% | 22.38% | 35.34% | 62.74% | 84th pctl | 26 / 159 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||