Poughkeepsie, NY · Charter 24984
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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
42
Asset Quality
60
Profitability
15
Liquidity
22
Efficiency
6
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.
Poughkeepsie, NY · Charter 24984
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 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|
| Earnings | ||||
| Return on Assets | 0.19% | 0.14% | n/a | |
| Return on Equity | 1.80% | 1.29% | n/a | |
| Net Interest Margin | 3.07% | 3.13% | n/a | |
| Efficiency Ratio | 82.52% | 85.96% | n/a | |
| Growth | ||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a |
| Share Growth (YoY) | n/a | n/a | n/a | n/a |
| Asset Quality | ||||
| Delinquent Loans / Loans | 0.59% | 0.60% | n/a | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | n/a | |
| Capital | ||||
| Risk-Based Capital | 10.46% | 10.56% | n/a | |
| Net Worth / Assets | 10.46% | 10.56% | n/a | |
| Liquidity & Funding | ||||
| Loans / Shares | 67.71% | 70.07% | n/a | |
| Liquid Assets / Assets | 0.00% | 0.00% | n/a | |
Poughkeepsie, NY · Charter 24984 · Peer group: credit unions $1B-$10B in assets (n=435)
Q2 2026
Return on Assets
0.14%
Rank 411 of 435
Net Interest Margin
3.13%
Rank 293 of 435
Efficiency Ratio
85.96%
Rank 412 of 435
Equity / Assets
10.56%
Rank 251 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.14% | 0.55% | 0.81% | 1.14% | Beats 6% | 411 / 435 | |
| Return on Equity | 1.29% | 5.12% | 7.41% | 9.70% | Beats 5% | 413 / 435 | |
| Net Interest Margin | 3.13% | 3.01% | 3.39% | 3.75% | Beats 33% | 293 / 435 | |
| Efficiency Ratio | 85.96% | 65.25% | 71.39% | 77.86% | Beats 6% | 412 / 435 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.60% | 0.45% | 0.69% | 1.05% | Beats 60% | 175 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.56% | 9.81% | 10.84% | 12.63% | Beats 42% | 251 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.56% | 9.81% | 10.84% | 12.63% | Beats 42% | 251 / 435 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 70.07% | 78.33% | 88.38% | 95.61% | 14th pctl | 376 / 435 | |
| Loans / Assets | 62.77% | 67.69% | 74.58% | 80.80% | 16th pctl | 365 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||