New York, NY · Charter 60153
NCUA · 16 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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
59
Asset Quality
7
Profitability
90
Liquidity
44
Efficiency
82
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.
New York, NY · Charter 60153
NCUA · 16 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 | 1.00% | 1.12% | 1.10% | 1.62% | 1.40% | +40 bps | |
| Return on Equity | 8.84% | 9.67% | 9.74% | 14.38% | 12.39% | +355 bps | |
| Net Interest Margin | 4.23% | 4.24% | 4.09% | 4.05% | 4.09% | -14 bps | |
| Efficiency Ratio | 69.64% | 66.80% | 66.41% | 62.42% | 61.83% | -781 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.23% | 6.94% | 9.22% | 10.81% | 12.10% | +587 bps | |
| Loan Growth (YoY) | 10.34% | 12.48% | 14.22% | 17.39% | 18.66% | +832 bps | |
| Share Growth (YoY) | 4.19% | 4.86% | 8.86% | 10.11% | 12.04% | +784 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.31% | 1.44% | 1.57% | 1.29% | 1.66% | +35 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 | 11.36% | 11.55% | 11.34% | 11.29% | 11.31% | -4 bps | |
| Net Worth / Assets | 11.36% | 11.55% | 11.34% | 11.29% | 11.31% | -4 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 70.90% | 73.83% | 73.07% | 72.85% | 75.09% | +419 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
New York, NY · Charter 60153 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 16 branches
Q2 2026
Return on Assets
1.40%
Rank 54 of 435
Net Interest Margin
4.09%
Rank 43 of 435
Efficiency Ratio
61.83%
Rank 78 of 435
Equity / Assets
11.31%
Rank 178 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.40% | 0.55% | 0.81% | 1.14% | Beats 88% | 54 / 435 | |
| Return on Equity | 12.39% | 5.12% | 7.41% | 9.70% | Beats 92% | 35 / 435 | |
| Net Interest Margin | 4.09% | 3.01% | 3.39% | 3.75% | Beats 90% | 43 / 435 | |
| Efficiency Ratio | 61.83% | 65.25% | 71.39% | 77.86% | Beats 82% | 78 / 435 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.66% | 0.45% | 0.69% | 1.05% | Beats 7% | 405 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 11.31% | 9.81% | 10.84% | 12.63% | Beats 59% | 178 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 11.31% | 9.81% | 10.84% | 12.63% | Beats 59% | 178 / 435 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 75.09% | 78.33% | 88.38% | 95.61% | 20th pctl | 348 / 435 | |
| Loans / Assets | 65.82% | 67.69% | 74.58% | 80.80% | 21st pctl | 345 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||