Briarcliff Mano, NY · Charter 4441
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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
71
Asset Quality
26
Profitability
35
Liquidity
15
Efficiency
16
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.
Briarcliff Mano, NY · Charter 4441
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 | 0.89% | 0.93% | 0.27% | 0.36% | -0.07% | 0.05% | 0.25% | -0.05% | -40 bps | |
| Return on Equity | 5.35% | 5.48% | 1.66% | 2.28% | -0.47% | 0.31% | 1.59% | -0.30% | -258 bps | |
| Net Interest Margin | 4.89% | 4.94% | 4.54% | 4.26% | 4.43% | 4.58% | 4.73% | 4.60% | +34 bps | |
| Efficiency Ratio | 98.09% | 93.65% | 94.80% | 92.78% | 89.60% | 90.76% | 88.27% | 90.79% | -199 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.52% | -4.32% | 2.88% | 9.27% | 7.90% | 6.90% | 3.83% | -0.49% | -975 bps | |
| Loan Growth (YoY) | -6.95% | -5.24% | -4.30% | 2.79% | 7.80% | 5.30% | 1.62% | 1.06% | -173 bps | |
| Share Growth (YoY) | -6.45% | -6.08% | 2.07% | 10.14% | 9.09% | 8.33% | 4.42% | -0.21% | -1,035 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.22% | 2.06% | 3.38% | 3.00% | 2.85% | 2.80% | 1.89% | 1.26% | -174 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.64% | 17.04% | 16.47% | 15.64% | 15.61% | 15.99% | 15.91% | 15.56% | -8 bps | |
| Net Worth / Assets | 16.64% | 17.04% | 16.47% | 15.64% | 15.61% | 15.99% | 15.91% | 15.56% | -8 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 45.91% | 47.13% | 44.09% | 42.64% | 45.37% | 45.81% | 42.90% | 43.18% | +54 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Briarcliff Mano, NY · Charter 4441 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
-0.05%
Rank 1,503 of 1,683
Net Interest Margin
4.61%
Rank 280 of 1,683
Efficiency Ratio
90.75%
Rank 1,406 of 1,682
Equity / Assets
15.56%
Rank 493 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.05% | 0.35% | 0.74% | 1.18% | Beats 11% | 1,503 / 1,683 | ||
| Return on Equity | -0.35% | 2.67% | 5.89% | 8.74% | Beats 11% | 1,499 / 1,681 | ||
| Net Interest Margin | 4.61% | 3.31% | 3.82% | 4.32% | Beats 83% | 280 / 1,683 | ||
| Efficiency Ratio | 90.75% | 68.91% | 78.20% | 86.93% | Beats 16% | 1,406 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.25% | 0.26% | 0.65% | 1.29% | Beats 26% | 1,250 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.56% | 10.44% | 12.89% | 16.53% | Beats 71% | 493 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 15.56% | 10.44% | 12.89% | 16.53% | Beats 71% | 493 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 43.18% | 52.61% | 69.38% | 83.50% | 14th pctl | 1,443 / 1,683 | ||
| Loans / Assets | 36.37% | 44.71% | 59.18% | 70.72% | 15th pctl | 1,437 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||