New York, NY · Charter 24670
NCUA · 1 branch
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 New York-Newark-Jersey City, NY-NJ area (n=158 to 159). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
33
Asset Quality
15
Profitability
58
Liquidity
79
Efficiency
78
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 24670
NCUA · 1 branch
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 | 0.60% | 0.60% | 2.36% | 1.48% | 1.17% | 0.87% | 0.28% | 0.44% | -104 bps | |
| Return on Equity | 5.00% | 4.92% | 19.09% | 12.05% | 9.49% | 7.33% | 2.40% | 3.73% | -832 bps | |
| Net Interest Margin | 3.88% | 3.97% | 4.02% | 4.11% | 4.15% | 4.03% | 4.08% | 4.12% | +1 bps | |
| Efficiency Ratio | 79.08% | 80.83% | 61.99% | 67.11% | 70.03% | 68.29% | 73.53% | 71.61% | +450 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.88% | 2.37% | 4.63% | 5.44% | 5.87% | 10.27% | 8.20% | 7.13% | +169 bps | |
| Loan Growth (YoY) | 19.44% | 16.91% | 13.43% | 7.43% | 2.31% | -0.89% | -3.35% | -4.42% | -1,185 bps | |
| Share Growth (YoY) | 0.62% | 2.05% | 2.91% | 3.81% | 4.52% | 8.68% | 7.99% | 7.54% | +372 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.59% | 3.61% | 3.30% | 4.54% | 5.09% | 5.16% | 3.12% | 4.37% | -17 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 | 12.09% | 12.21% | 12.35% | 12.31% | 12.33% | 11.84% | 11.70% | 11.76% | -54 bps | |
| Net Worth / Assets | 12.09% | 12.21% | 12.35% | 12.31% | 12.33% | 11.84% | 11.70% | 11.76% | -54 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 43.39% | 44.39% | 43.64% | 43.21% | 42.48% | 40.48% | 39.06% | 38.40% | -480 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 24670 · Peer group: credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=158-159)
NCUA · 1 branch
Q2 2026
Return on Assets
0.44%
Rank 75 of 159
Net Interest Margin
4.12%
Rank 58 of 159
Efficiency Ratio
71.59%
Rank 36 of 158
Equity / Assets
11.76%
Rank 106 of 159
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.44% | 0.00% | 0.40% | 1.00% | Beats 53% | 75 / 159 | ||
| Return on Equity | 3.74% | 0.04% | 2.43% | 6.24% | Beats 58% | 67 / 159 | ||
| Net Interest Margin | 4.12% | 2.79% | 3.84% | 4.44% | Beats 64% | 58 / 159 | ||
| Efficiency Ratio | 71.59% | 74.21% | 85.84% | 96.50% | Beats 78% | 36 / 158 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 4.37% | 0.42% | 1.27% | 2.96% | Beats 15% | 135 / 158 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.76% | 10.80% | 14.61% | 21.35% | Beats 33% | 106 / 159 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.76% | 10.80% | 14.61% | 21.35% | Beats 33% | 106 / 159 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 38.40% | 27.85% | 44.27% | 75.14% | 43rd pctl | 90 / 159 | ||
| Loans / Assets | 34.63% | 22.38% | 35.34% | 62.74% | 47th pctl | 84 / 159 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||