Poughkeepsie, NY · Charter 68705
NCUA · 40 branches
Q4 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2025, the quarter ended December 31, 2025, 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=428). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
42
Asset Quality
61
Profitability
15
Liquidity
15
Efficiency
12
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.
Poughkeepsie, NY · Charter 68705
NCUA · 40 branches
Q4 2025
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 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.54% | 0.47% | 0.42% | 0.30% | 0.00% | 0.11% | 0.19% | 0.19% | -10 bps | |
| Return on Equity | 4.73% | 4.19% | 3.78% | 2.66% | 0.04% | 1.03% | 1.84% | 1.86% | -80 bps | |
| Net Interest Margin | 2.61% | 2.64% | 2.65% | 2.68% | 2.72% | 2.76% | 2.88% | 2.89% | +21 bps | |
| Efficiency Ratio | 75.10% | 77.48% | 78.81% | 82.21% | 82.89% | 83.54% | 82.24% | 82.40% | +20 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.88% | 5.34% | 8.52% | 5.49% | 10.40% | 10.58% | 6.91% | 8.40% | +291 bps | |
| Loan Growth (YoY) | 11.02% | 6.89% | 3.71% | 3.01% | 11.73% | 10.94% | 11.49% | 11.25% | +824 bps | |
| Share Growth (YoY) | 4.03% | 5.27% | 8.36% | 8.13% | 12.81% | 12.83% | 9.15% | 9.12% | +99 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.53% | 0.50% | 0.53% | 0.67% | 0.51% | 0.60% | 0.68% | 0.62% | -6 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 | 11.34% | 11.26% | 11.16% | 11.12% | 10.40% | 10.27% | 10.54% | 10.43% | -69 bps | |
| Net Worth / Assets | 11.34% | 11.26% | 11.16% | 11.12% | 10.40% | 10.27% | 10.54% | 10.43% | -69 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.60% | 68.65% | 67.52% | 67.25% | 68.93% | 67.51% | 68.97% | 68.56% | +131 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Poughkeepsie, NY · Charter 68705 · Peer group: credit unions $1B-$10B in assets (n=428)
NCUA · 40 branches
Q4 2025
Return on Assets
0.19%
Rank 393 of 428
Net Interest Margin
2.89%
Rank 303 of 428
Efficiency Ratio
82.40%
Rank 377 of 428
Equity / Assets
10.43%
Rank 250 of 428
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.19% | 0.47% | 0.71% | 1.00% | Beats 8% | 393 / 428 | ||
| Return on Equity | 1.86% | 4.35% | 6.65% | 8.96% | Beats 8% | 393 / 428 | ||
| Net Interest Margin | 2.89% | 2.83% | 3.23% | 3.60% | Beats 29% | 303 / 428 | ||
| Efficiency Ratio | 82.40% | 65.54% | 72.60% | 78.49% | Beats 12% | 377 / 428 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.62% | 0.46% | 0.75% | 1.06% | Beats 61% | 167 / 428 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.43% | 9.74% | 10.76% | 12.36% | Beats 42% | 250 / 428 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.43% | 9.74% | 10.76% | 12.36% | Beats 42% | 250 / 428 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 68.56% | 77.85% | 88.44% | 95.44% | 13th pctl | 374 / 428 | ||
| Loans / Assets | 60.59% | 67.70% | 74.57% | 80.54% | 15th pctl | 364 / 428 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||