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Mamta

Mamaroneck, NY · Charter 2800

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

64

Q2 2024Q2 2026peer median (50)

Asset Quality

53

Q2 2024Q2 2026peer median (50)

Profitability

22

Q2 2024Q2 2026peer median (50)

Liquidity

10

Q2 2024Q2 2026peer median

Efficiency

29

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

Mamta

Mamaroneck, NY · Charter 2800

NCUA · 1 branch

Q2 2026

$8.3MAssets
$1.3MLoans
$6.9MShares
$1.4MNet 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 0.05%, up 24 bps year over year; NIM at 2.17%.
  • Asset quality: problem loans at 1.18% of loans (+113 bps YoY).
  • Capital: net worth / assets of 17.20%, up 126 bps from a year ago.
  • Funding: loans stand at 18.59% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.05%+24 bps YoY

Net Interest Margin (YTD, annualized)

2.17%+35 bps YoY

Efficiency Ratio (YTD, annualized)

94.09%+106 bps YoY

Net Worth / Assets

17.20%+126 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.19%-0.09%-0.03%0.19%0.05%+24 bps
Return on Equity-1.19%-0.52%-0.15%1.15%0.31%+150 bps
Net Interest Margin1.82%1.98%2.05%2.12%2.17%+35 bps
Efficiency Ratio93.03%93.11%93.05%90.82%94.09%+106 bps
Growth
Asset Growth (YoY)-13.36%-13.66%-11.50%-9.27%-6.75%+661 bps
Loan Growth (YoY)-11.38%-4.17%-9.46%-12.96%-16.42%-504 bps
Share Growth (YoY)-15.25%-15.91%-13.50%-11.00%-8.18%+707 bps
Asset Quality
Delinquent Loans / Loans0.05%0.02%0.01%1.23%1.18%+113 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.15%0.16%0.17%0.19%0.44%+29 bps
Capital
Risk-Based Capital15.95%17.16%17.19%16.88%17.20%+126 bps
Net Worth / Assets15.95%17.16%17.19%16.88%17.20%+126 bps
Liquidity & Funding
Loans / Shares20.43%23.35%21.26%19.13%18.59%-183 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

Mamta

Mamaroneck, NY · Charter 2800 · 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

$8.3MAssets
$1.3MLoans
$6.9MShares
$1.4MNet Worth

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 64% of credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 58 of 159).
  • Widest gap: net interest margin trails 88% of credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 140 of 159).
  • Overall: at or above the peer median on 3 of 7 directional measures.

Return on Assets

0.05%

Rank 115 of 159

Net Interest Margin

2.17%

Rank 140 of 159

Efficiency Ratio

94.44%

Rank 113 of 158

Equity / Assets

17.20%

Rank 58 of 159

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.05%0.00%0.40%1.00%Beats 28%115 / 159
Return on Equity0.28%0.04%2.43%6.24%Beats 27%116 / 159
Net Interest Margin2.17%2.79%3.84%4.44%Beats 12%140 / 159
Efficiency Ratio94.44%74.21%85.84%96.50%Beats 29%113 / 158
Asset Quality
Nonperforming Loans / Loans1.17%0.42%1.27%2.96%Beats 53%75 / 158
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio17.20%10.80%14.61%21.35%Beats 64%58 / 159
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets17.20%10.80%14.61%21.35%Beats 64%58 / 159
Liquidity & Funding
Loans / Deposits18.59%27.85%44.27%75.14%14th pctl136 / 159
Loans / Assets15.37%22.38%35.34%62.74%16th pctl134 / 159
Brokered Deposits / Depositsn/aNot reported for this institution