New York, NY · Charter 24589
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 Birmingham, AL area (n=29). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
86
Asset Quality
45
Profitability
32
Liquidity
0
Efficiency
14
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 24589
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 | 0.34% | 1.92% | 3.59% | 3.82% | 4.19% | 4.27% | -1.73% | 0.06% | -375 bps | |
| Return on Equity | 1.43% | 7.98% | 14.39% | 15.02% | 15.58% | 15.36% | -6.30% | 0.22% | -1,481 bps | |
| Net Interest Margin | 4.52% | 4.31% | 4.55% | 4.96% | 4.94% | 4.96% | 4.83% | 4.75% | -21 bps | |
| Efficiency Ratio | 92.00% | 78.71% | 68.32% | 66.52% | 64.08% | 63.71% | 112.67% | 96.34% | +2,982 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.87% | -3.97% | 3.74% | 5.20% | 6.78% | 2.16% | 1.99% | -0.55% | -575 bps | |
| Loan Growth (YoY) | 41.70% | 22.85% | 8.50% | 3.88% | 5.10% | 7.28% | 8.36% | 5.61% | +173 bps | |
| Share Growth (YoY) | -2.72% | -10.61% | -0.30% | 1.11% | 5.26% | 6.59% | 6.97% | 2.86% | +176 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.80% | 1.78% | 0.36% | 4.81% | 4.24% | 3.94% | 1.29% | 1.32% | -349 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 | 23.85% | 24.05% | 24.93% | 25.40% | 26.88% | 27.80% | 27.41% | 27.93% | +253 bps | |
| Net Worth / Assets | 23.85% | 24.05% | 24.93% | 25.40% | 26.88% | 27.80% | 27.41% | 27.93% | +253 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 112.88% | 118.75% | 114.39% | 112.79% | 112.71% | 119.51% | 115.87% | 115.80% | +301 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 24589 · Peer group: credit unions under $1B in assets in the Birmingham, AL area (n=29)
NCUA · 2 branches
Q2 2026
Return on Assets
0.06%
Rank 26 of 29
Net Interest Margin
4.75%
Rank 7 of 29
Efficiency Ratio
96.42%
Rank 26 of 29
Equity / Assets
27.93%
Rank 4 of 29
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.06% | 0.26% | 0.65% | 1.06% | Beats 10% | 26 / 29 | ||
| Return on Equity | 0.21% | 2.33% | 4.15% | 7.02% | Beats 10% | 26 / 29 | ||
| Net Interest Margin | 4.75% | 3.29% | 3.80% | 4.67% | Beats 76% | 7 / 29 | ||
| Efficiency Ratio | 96.42% | 67.71% | 81.00% | 89.29% | Beats 14% | 26 / 29 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.32% | 0.40% | 1.03% | 1.72% | Beats 45% | 17 / 29 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 27.93% | 10.13% | 13.97% | 19.12% | Beats 86% | 4 / 29 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 27.93% | 10.13% | 13.97% | 19.12% | Beats 86% | 4 / 29 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 115.80% | 40.72% | 55.53% | 68.24% | 97th pctl | 1 / 29 | ||
| Loans / Assets | 74.91% | 35.46% | 45.52% | 58.70% | 97th pctl | 1 / 29 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||