PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Palisades

Pearl River, NY · Charter 4480

NCUA · 4 branches

Q2 2026

$212.2MAssets
$163.0MLoans
$181.1MShares
$19.1MNet 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 0.00%, up 36 bps year over year; NIM at 3.74%.
  • Asset quality: problem loans at 0.93% of loans (0 bps YoY).
  • Capital: net worth / assets of 9.01%, down 68 bps from a year ago.
  • Funding: loans stand at 90.03% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.00%+36 bps YoY

Net Interest Margin (YTD, annualized)

3.74%+15 bps YoY

Efficiency Ratio (YTD, annualized)

92.42%-219 bps YoY

Net Worth / Assets

9.01%-68 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
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 Margin3.59%3.73%3.70%3.80%3.74%+15 bps
Efficiency Ratio94.60%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 / Loans0.93%1.05%0.95%0.87%0.93%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.70%9.80%9.34%9.21%9.01%-68 bps
Net Worth / Assets9.70%9.80%9.34%9.21%9.01%-68 bps
Liquidity & Funding
Loans / Shares85.50%88.92%89.02%88.32%90.03%+454 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps