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New York Episcopal

New York, NY · Charter 24942

NCUA · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area3

Basis

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.

Peer group

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.

Peer standing

Capital

59

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q3 2024Q2 2026peer median (50)

Profitability

74

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

94

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

New York Episcopal

New York, NY · Charter 24942

NCUA · 1 branch

Q2 2026

$1.4MAssets
$151KLoans
$1.1MShares
$220KNet 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 24.15%, up 3,738 bps year over year; NIM at 2.78%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 16.11%, up 848 bps from a year ago.
  • Funding: loans stand at 13.40% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

24.15%+3,738 bps YoY

Net Interest Margin (YTD, annualized)

2.78%-149 bps YoY

Efficiency Ratio (YTD, annualized)

53.26%-6,488 bps YoY

Net Worth / Assets

16.11%+848 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-13.23%-5.66%-3.29%48.48%24.15%+3,738 bps
Return on Equity-173.26%-58.75%-37.42%296%149.90%+32,316 bps
Net Interest Margin4.28%4.17%3.62%2.40%2.78%-149 bps
Efficiency Ratio118.14%107.09%102.43%36.96%53.26%-6,488 bps
Growth
Asset Growth (YoY)14.32%59.81%-27.82%57.29%156.97%+14,265 bps
Loan Growth (YoY)n/a893%897%157.31%85.25%n/a
Share Growth (YoY)487%324%29.75%50.67%134.30%-35,222 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%5.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.97%2.09%0.00%0.00%0.00%-197 bps
Capital
Risk-Based Capital7.64%9.64%8.80%16.35%16.11%+848 bps
Net Worth / Assets7.64%9.64%8.80%16.35%16.11%+848 bps
Liquidity & Funding
Loans / Shares16.95%20.94%27.31%14.50%13.40%-355 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

New York Episcopal

New York, NY · Charter 24942 · 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

$1.4MAssets
$151KLoans
$1.1MShares
$220KNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 18 of 158).
  • Widest gap: net interest margin trails 76% of credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 121 of 159).
  • Overall: at or above the peer median on 6 of 7 directional measures.

Return on Assets

24.14%

Rank 1 of 159

Net Interest Margin

2.78%

Rank 121 of 159

Efficiency Ratio

53.19%

Rank 10 of 158

Equity / Assets

16.09%

Rank 65 of 159

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets24.14%0.00%0.40%1.00%Beats 99%1 / 159
Return on Equity150.00%0.04%2.43%6.24%Beats 99%1 / 159
Net Interest Margin2.78%2.79%3.84%4.44%Beats 24%121 / 159
Efficiency Ratio53.19%74.21%85.84%96.50%Beats 94%10 / 158
Asset Quality
Nonperforming Loans / Loans0.00%0.42%1.27%2.96%Beats 100%18 / 158
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio16.09%10.80%14.61%21.35%Beats 59%65 / 159
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets16.09%10.80%14.61%21.35%Beats 59%65 / 159
Liquidity & Funding
Loans / Deposits13.37%27.85%44.27%75.14%7th pctl148 / 159
Loans / Assets11.05%22.38%35.34%62.74%10th pctl143 / 159
Brokered Deposits / Depositsn/aNot reported for this institution