Middletown, NY · Charter 24985
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 NY (n=59). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
14
Asset Quality
17
Profitability
28
Liquidity
0
Efficiency
25
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.
Middletown, NY · Charter 24985
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 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|
| Earnings | ||||
| Return on Assets | 0.14% | 0.23% | n/a | |
| Return on Equity | 1.37% | 2.27% | n/a | |
| Net Interest Margin | 3.53% | 3.56% | n/a | |
| Efficiency Ratio | 82.82% | 82.44% | 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 | 1.17% | 1.61% | 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 | 10.26% | 10.26% | n/a | |
| Net Worth / Assets | 10.26% | 10.26% | n/a | |
| Liquidity & Funding | ||||
| Loans / Shares | 98.11% | 99.06% | n/a | |
| Liquid Assets / Assets | 0.00% | 0.00% | n/a | |
Middletown, NY · Charter 24985 · Peer group: credit unions under $1B in assets in NY (n=59)
Q2 2026
Return on Assets
0.23%
Rank 47 of 59
Net Interest Margin
3.56%
Rank 35 of 59
Efficiency Ratio
82.44%
Rank 45 of 59
Equity / Assets
10.26%
Rank 51 of 59
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.23% | 0.28% | 1.01% | 1.42% | Beats 20% | 47 / 59 | ||
| Return on Equity | 2.27% | 2.31% | 7.92% | 10.52% | Beats 22% | 46 / 59 | ||
| Net Interest Margin | 3.56% | 3.24% | 3.66% | 4.04% | Beats 41% | 35 / 59 | ||
| Efficiency Ratio | 82.44% | 63.53% | 74.15% | 82.44% | Beats 25% | 45 / 59 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.61% | 0.32% | 0.68% | 1.20% | Beats 17% | 50 / 59 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.26% | 10.94% | 13.05% | 16.06% | Beats 14% | 51 / 59 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.26% | 10.94% | 13.05% | 16.06% | Beats 14% | 51 / 59 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 99.06% | 40.49% | 57.59% | 78.86% | 98th pctl | 1 / 59 | ||
| Loans / Assets | 82.60% | 33.06% | 50.92% | 63.03% | 98th pctl | 1 / 59 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||