Lower East Side People's 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
$84.8M Assets
$59.7M Loans
$61.8M Shares
$18.1M Net Worth
Executive Summary Strongest standing: net interest margin outperforms 94% of credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 9 of 159). Widest gap: nonperforming loans / loans trails 86% of credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 137 of 158). Overall: at or above the peer median on 3 of 7 directional measures. 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
Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Peer statistics computed across credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area; percentile is the share of peers with a lower reported value. Each ratio is ranked only among the institutions that reported it, so the denominator in the Rank column varies by measure (158 to 159 here). Income-statement figures on this page are year-to-date as filed, annualized, because the peer percentiles are computed on that basis. Performance Trends defaults to the discrete quarter, so the same measure can read differently there in any quarter but the first, where year-to-date and the quarter cover the same period. Peer comparisons use ratios standardized identically across all institutions and can differ from as-filed figures. Subchapter S banks are restated to an after-tax equivalent at 21.50%, the median effective tax rate of the 2,758 C-corporation banks filing for this quarter. The rate is recomputed each quarter, and C-corporation figures are unchanged. Peer groups below the disclosure floor are suppressed.
CallReports · callreports.ai · Peer Comparison Generated 2026-10-11