PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Neighborhood Trust

New York, NY · Charter 24589

NCUA · 2 branches

Q2 2026

$20.3MAssets
$15.2MLoans
$13.1MShares
$5.7MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.06%, down 375 bps year over year; NIM at 4.75%.
  • Asset quality: problem loans at 1.32% of loans (-349 bps YoY).
  • Capital: net worth / assets of 27.93%, up 253 bps from a year ago.
  • Funding: loans stand at 115.80% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.06%-375 bps YoY

Net Interest Margin (quarter, annualized)

4.75%-21 bps YoY

Efficiency Ratio (quarter, annualized)

96.34%+2,982 bps YoY

Net Worth / Assets

27.93%+253 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets3.82%4.19%4.27%-1.73%0.06%-375 bps
Return on Equity15.02%15.58%15.36%-6.30%0.22%-1,481 bps
Net Interest Margin4.96%4.94%4.96%4.83%4.75%-21 bps
Efficiency Ratio66.52%64.08%63.71%112.67%96.34%+2,982 bps
Growth
Asset Growth (YoY)5.20%6.78%2.16%1.99%-0.55%-575 bps
Loan Growth (YoY)3.88%5.10%7.28%8.36%5.61%+173 bps
Share Growth (YoY)1.11%5.26%6.59%6.97%2.86%+176 bps
Asset Quality
Delinquent Loans / Loans4.81%4.24%3.94%1.29%1.32%-349 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital25.40%26.88%27.80%27.41%27.93%+253 bps
Net Worth / Assets25.40%26.88%27.80%27.41%27.93%+253 bps
Liquidity & Funding
Loans / Shares112.79%112.71%119.51%115.87%115.80%+301 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps