PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

People's Alliance

Hauppauge, NY · Charter 3633

NCUA · 8 branches

Q2 2026

$322.2MAssets
$225.7MLoans
$282.5MShares
$35.9MNet Worth

Executive Summary

  • Earnings: ROA of 0.45%, up 25 bps year over year; NIM at 4.36%.
  • Asset quality: problem loans at 0.58% of loans (-35 bps YoY).
  • Capital: net worth / assets of 11.13%, up 44 bps from a year ago.
  • Funding: loans stand at 79.92% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

0.45%+25 bps YoY

Net Interest Margin (quarter, annualized)

4.36%+61 bps YoY

Efficiency Ratio (quarter, annualized)

83.06%-302 bps YoY

Net Worth / Assets

11.13%+44 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.31%0.40%0.14%0.20%0.21%0.40%0.44%0.45%+25 bps
Return on Equity2.89%3.72%1.32%1.88%1.97%3.65%4.02%4.03%+215 bps
Net Interest Margin3.56%3.61%3.61%3.75%3.85%3.95%4.09%4.36%+61 bps
Efficiency Ratio83.45%81.82%87.02%86.08%86.46%83.92%84.11%83.06%-302 bps
Growth
Asset Growth (YoY)-2.64%-2.12%-1.04%1.24%1.53%1.42%1.93%0.15%-109 bps
Loan Growth (YoY)8.72%5.39%3.88%4.67%6.45%9.08%14.51%29.34%+2,468 bps
Share Growth (YoY)-3.33%-2.20%-1.33%1.17%1.71%1.23%1.81%-0.53%-170 bps
Asset Quality
Delinquent Loans / Loans0.74%0.81%1.02%0.94%0.74%0.78%0.61%0.58%-35 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.73%10.84%10.67%10.70%10.82%11.02%10.87%11.13%+44 bps
Net Worth / Assets10.73%10.84%10.67%10.70%10.82%11.02%10.87%11.13%+44 bps
Liquidity & Funding
Loans / Shares64.54%63.62%60.90%61.46%67.55%68.56%68.49%79.92%+1,846 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps