First New York
Albany, NY · Charter 2440 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 9 branches
Q2 2026
$574.0MAssets
$424.5MLoans
$521.0MShares
$50.9MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 61% of credit unions under $1B in assets (rank 655 of 1682).
- Widest gap: equity / assets trails 90% of credit unions under $1B in assets (rank 1520 of 1683).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.51%
Rank 1,126 of 1,683
Net Interest Margin
3.73%
Rank 915 of 1,683
Efficiency Ratio
85.50%
Rank 1,202 of 1,682
Equity / Assets
8.87%
Rank 1,520 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.51% | 0.35% | 0.74% | 1.18% | Beats 33% | 1,126 / 1,683 | |
| Return on Equity | 5.75% | 2.67% | 5.89% | 8.74% | Beats 49% | 865 / 1,681 | |
| Net Interest Margin | 3.73% | 3.31% | 3.82% | 4.32% | Beats 46% | 915 / 1,683 | |
| Efficiency Ratio | 85.50% | 68.91% | 78.20% | 86.93% | Beats 29% | 1,202 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.48% | 0.26% | 0.65% | 1.29% | Beats 61% | 655 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 8.87% | 10.44% | 12.89% | 16.53% | Beats 10% | 1,520 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 8.87% | 10.44% | 12.89% | 16.53% | Beats 10% | 1,520 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 81.48% | 52.61% | 69.38% | 83.50% | 72nd pctl | 471 / 1,683 | |
| Loans / Assets | 73.94% | 44.71% | 59.18% | 70.72% | 81st pctl | 312 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |