Far Rockaway, NY · Charter 4246
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
75
Asset Quality
2
Profitability
32
Liquidity
97
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.
Far Rockaway, NY · Charter 4246
NCUA · 1 branch
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -4.25% | -3.26% | -2.74% | -4.58% | -5.64% | -5.30% | -27.16% | -16.46% | -1,189 bps | |
| Return on Equity | -12.59% | -8.83% | -9.06% | -15.23% | -21.21% | -18.06% | -124.86% | -76.04% | -6,082 bps | |
| Net Interest Margin | 12.35% | 11.61% | 9.23% | 9.05% | 8.05% | 8.55% | 5.83% | 6.39% | -267 bps | |
| Efficiency Ratio | 91.93% | 94.35% | 128.74% | 149.08% | 167.64% | 158.32% | 249% | 213% | +6,394 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -25.82% | -26.31% | -15.44% | -12.83% | 10.20% | -1.44% | -4.73% | -4.23% | +860 bps | |
| Loan Growth (YoY) | -28.72% | -34.51% | -23.58% | -24.42% | -20.60% | -22.41% | -25.10% | -25.43% | -101 bps | |
| Share Growth (YoY) | -32.09% | -36.27% | -14.26% | -13.74% | 22.21% | 10.46% | 6.88% | 7.29% | +2,103 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.06% | 6.04% | 16.87% | 19.05% | 18.15% | 26.23% | 24.80% | 23.66% | +461 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 9.40% | 9.38% | 9.41% | 11.38% | 11.84% | 12.09% | 13.11% | 16.27% | +489 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 33.79% | 36.97% | 30.25% | 30.06% | 26.57% | 29.35% | 21.75% | 21.65% | -841 bps | |
| Net Worth / Assets | 33.79% | 36.97% | 30.25% | 30.06% | 26.57% | 29.35% | 21.75% | 21.65% | -841 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.01% | 84.92% | 74.40% | 62.27% | 52.64% | 59.65% | 52.14% | 43.28% | -1,899 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Far Rockaway, NY · Charter 4246 · 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
-16.29%
Rank 159 of 159
Net Interest Margin
6.33%
Rank 8 of 159
Efficiency Ratio
229%
Rank 157 of 158
Equity / Assets
21.72%
Rank 39 of 159
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -16.29% | 0.00% | 0.40% | 1.00% | Beats 0% | 159 / 159 | ||
| Return on Equity | -75.00% | 0.04% | 2.43% | 6.24% | Beats 0% | 159 / 159 | ||
| Net Interest Margin | 6.33% | 2.79% | 3.84% | 4.44% | Beats 95% | 8 / 159 | ||
| Efficiency Ratio | 229% | 74.21% | 85.84% | 96.50% | Beats 1% | 157 / 158 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 24.00% | 0.42% | 1.27% | 2.96% | Beats 2% | 156 / 158 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 21.72% | 10.80% | 14.61% | 21.35% | Beats 75% | 39 / 159 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 21.72% | 10.80% | 14.61% | 21.35% | Beats 75% | 39 / 159 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 43.35% | 27.85% | 44.27% | 75.14% | 48th pctl | 82 / 159 | ||
| Loans / Assets | 33.94% | 22.38% | 35.34% | 62.74% | 46th pctl | 86 / 159 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||