New York, NY · Charter 24947
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
97
Asset Quality
66
Profitability
23
Liquidity
0
Efficiency
1
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 24947
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -24.08% | -20.18% | -19.80% | -6.89% | -6.27% | +1,780 bps | |
| Return on Equity | -35.39% | -35.69% | -40.05% | -14.79% | -14.12% | +2,128 bps | |
| Net Interest Margin | 4.74% | 4.20% | 4.10% | 3.90% | 4.12% | -62 bps | |
| Efficiency Ratio | 592% | 543% | 554% | 256% | 245% | -34,709 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 12.00% | 19.05% | 24.74% | 17.62% | 20.30% | +830 bps | |
| Loan Growth (YoY) | n/a | 151541% | 472652% | 484% | 197.37% | n/a | |
| Share Growth (YoY) | 32232% | 39954% | 7017% | 302% | 285% | -3,194,763 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.14% | 2.37% | 1.91% | 0.83% | +83 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.07% | 1.34% | 2.58% | 2.35% | 1.47% | +40 bps | |
| Capital | |||||||
| Risk-Based Capital | 68.03% | 56.55% | 49.43% | 46.62% | 44.44% | -2,359 bps | |
| Net Worth / Assets | 68.03% | 56.55% | 49.43% | 46.62% | 44.44% | -2,359 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 170.81% | 106.09% | 97.39% | 112.99% | 132.06% | -3,875 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
New York, NY · Charter 24947 · 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
-6.28%
Rank 158 of 159
Net Interest Margin
4.09%
Rank 59 of 159
Efficiency Ratio
246%
Rank 158 of 158
Equity / Assets
44.45%
Rank 4 of 159
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -6.28% | 0.00% | 0.40% | 1.00% | Beats 1% | 158 / 159 | |
| Return on Equity | -14.13% | 0.04% | 2.43% | 6.24% | Beats 5% | 151 / 159 | |
| Net Interest Margin | 4.09% | 2.79% | 3.84% | 4.44% | Beats 63% | 59 / 159 | |
| Efficiency Ratio | 246% | 74.21% | 85.84% | 96.50% | Beats 1% | 158 / 158 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.83% | 0.42% | 1.27% | 2.96% | Beats 66% | 54 / 158 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 44.45% | 10.80% | 14.61% | 21.35% | Beats 97% | 4 / 159 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 44.45% | 10.80% | 14.61% | 21.35% | Beats 97% | 4 / 159 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 132.07% | 27.85% | 44.27% | 75.14% | 98th pctl | 3 / 159 | |
| Loans / Assets | 46.01% | 22.38% | 35.34% | 62.74% | 58th pctl | 67 / 159 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||