Long Island Cit, NY · Charter 5588
NCUA · 3 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 any (n=25). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
32
Asset Quality
96
Profitability
60
Liquidity
0
Efficiency
60
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.
Long Island Cit, NY · Charter 5588
NCUA · 3 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 | 1.05% | 1.02% | 0.90% | 1.19% | 1.36% | +31 bps | |
| Return on Equity | 11.22% | 10.77% | 9.54% | 12.37% | 13.93% | +271 bps | |
| Net Interest Margin | 2.57% | 2.61% | 2.63% | 2.82% | 2.80% | +23 bps | |
| Efficiency Ratio | 62.32% | 61.21% | 63.74% | 60.84% | 57.95% | -436 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.89% | 5.93% | 5.79% | 6.20% | 6.83% | -7 bps | |
| Loan Growth (YoY) | 6.26% | 6.91% | 6.59% | 5.93% | 6.25% | -1 bps | |
| Share Growth (YoY) | 5.85% | 4.86% | 4.71% | 5.19% | 5.90% | +5 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.34% | 0.48% | 0.25% | 0.21% | 0.28% | -6 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 | 9.36% | 9.49% | 9.47% | 9.58% | 9.78% | +42 bps | |
| Net Worth / Assets | 9.36% | 9.49% | 9.47% | 9.58% | 9.78% | +42 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 65.81% | 67.21% | 67.70% | 66.14% | 66.03% | +22 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Long Island Cit, NY · Charter 5588 · Peer group: credit unions any (n=25)
NCUA · 3 branches
Q2 2026
Return on Assets
1.36%
Rank 7 of 25
Net Interest Margin
2.80%
Rank 21 of 25
Efficiency Ratio
57.95%
Rank 11 of 25
Equity / Assets
9.78%
Rank 17 of 25
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.36% | 0.54% | 0.87% | 1.36% | Beats 72% | 7 / 25 | |
| Return on Equity | 13.93% | 5.49% | 9.20% | 10.99% | Beats 92% | 2 / 25 | |
| Net Interest Margin | 2.80% | 2.86% | 3.13% | 3.50% | Beats 16% | 21 / 25 | |
| Efficiency Ratio | 57.95% | 54.62% | 61.07% | 70.28% | Beats 60% | 11 / 25 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.28% | 0.64% | 0.92% | 1.30% | Beats 96% | 2 / 25 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.78% | 9.55% | 10.72% | 11.84% | Beats 32% | 17 / 25 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.78% | 9.55% | 10.72% | 11.84% | Beats 32% | 17 / 25 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 66.03% | 81.23% | 88.75% | 93.33% | 0th pctl | 25 / 25 | |
| Loans / Assets | 59.24% | 68.82% | 78.26% | 79.51% | 8th pctl | 23 / 25 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||