PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Lower East Side People's

New York, NY · Charter 24232

NCUA · 4 branches

Q2 2026

$84.8MAssets
$59.7MLoans
$61.8MShares
$18.1MNet Worth

Executive Summary

  • Earnings: ROA of 0.29%, down 206 bps year over year; NIM at 6.21%.
  • Asset quality: problem loans at 4.45% of loans (-69 bps YoY).
  • Capital: net worth / assets of 21.35%, up 100 bps from a year ago.
  • Funding: loans stand at 96.60% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.29%-206 bps YoY

Net Interest Margin (YTD, annualized)

6.21%+134 bps YoY

Efficiency Ratio (YTD, annualized)

95.39%+2,436 bps YoY

Net Worth / Assets

21.35%+100 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.26%0.24%4.50%2.35%1.73%1.37%0.51%0.29%-206 bps
Return on Equity1.34%1.27%22.39%11.53%8.17%6.64%2.52%1.36%-1,016 bps
Net Interest Margin4.50%4.53%4.83%4.87%5.36%5.63%6.27%6.21%+134 bps
Efficiency Ratio95.34%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 / Loans8.14%8.96%9.53%5.14%3.61%4.09%3.32%4.45%-69 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital19.23%19.01%20.08%20.35%21.13%20.68%20.04%21.35%+100 bps
Net Worth / Assets19.23%19.01%20.08%20.35%21.13%20.68%20.04%21.35%+100 bps
Liquidity & Funding
Loans / Shares85.68%83.42%82.62%82.52%87.09%86.87%84.00%96.60%+1,408 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps