Pearl River, NY · Charter 4480
NCUA · 4 branches
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
13
Asset Quality
61
Profitability
32
Liquidity
5
Efficiency
34
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.
Pearl River, NY · Charter 4480
NCUA · 4 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.36% | -0.24% | -0.45% | -0.12% | 0.00% | +36 bps | |
| Return on Equity | -3.67% | -2.43% | -4.84% | -1.35% | 0.05% | +371 bps | |
| Net Interest Margin | 3.59% | 3.73% | 3.70% | 3.80% | 3.74% | +15 bps | |
| Efficiency Ratio | 94.60% | 94.15% | 93.28% | 93.39% | 92.42% | -219 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.00% | 0.02% | 0.32% | -0.80% | 4.24% | +623 bps | |
| Loan Growth (YoY) | -0.96% | -0.55% | 2.07% | 4.10% | 4.34% | +530 bps | |
| Share Growth (YoY) | 0.96% | 3.10% | 2.18% | -1.95% | -0.92% | -188 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.93% | 1.05% | 0.95% | 0.87% | 0.93% | 0 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.70% | 9.80% | 9.34% | 9.21% | 9.01% | -68 bps | |
| Net Worth / Assets | 9.70% | 9.80% | 9.34% | 9.21% | 9.01% | -68 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 85.50% | 88.92% | 89.02% | 88.32% | 90.03% | +454 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Pearl River, NY · Charter 4480 · Peer group: credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=158-159)
NCUA · 4 branches
Q2 2026
Return on Assets
0.00%
Rank 119 of 159
Net Interest Margin
3.74%
Rank 84 of 159
Efficiency Ratio
92.39%
Rank 105 of 158
Equity / Assets
9.02%
Rank 139 of 159
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.00% | 0.00% | 0.40% | 1.00% | Beats 25% | 119 / 159 | |
| Return on Equity | 0.04% | 0.04% | 2.43% | 6.24% | Beats 25% | 119 / 159 | |
| Net Interest Margin | 3.74% | 2.79% | 3.84% | 4.44% | Beats 47% | 84 / 159 | |
| Efficiency Ratio | 92.39% | 74.21% | 85.84% | 96.50% | Beats 34% | 105 / 158 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.93% | 0.42% | 1.27% | 2.96% | Beats 61% | 63 / 158 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.02% | 10.80% | 14.61% | 21.35% | Beats 13% | 139 / 159 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.02% | 10.80% | 14.61% | 21.35% | Beats 13% | 139 / 159 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 90.03% | 27.85% | 44.27% | 75.14% | 86th pctl | 22 / 159 | |
| Loans / Assets | 76.82% | 22.38% | 35.34% | 62.74% | 91st pctl | 15 / 159 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||