New York, NY · Charter 7172
NCUA · 1 branch
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
93
Asset Quality
5
Profitability
88
Liquidity
1
Efficiency
99
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 7172
NCUA · 1 branch
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 | 0.74% | 0.83% | 0.69% | 1.21% | 3.37% | +263 bps | |
| Return on Equity | 2.21% | 2.47% | 2.04% | 3.57% | 9.50% | +729 bps | |
| Net Interest Margin | 1.97% | 1.90% | 1.72% | 2.10% | 4.61% | +264 bps | |
| Efficiency Ratio | 62.77% | 56.90% | 60.50% | 42.43% | 27.59% | -3,518 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.84% | -1.43% | 0.11% | 0.26% | -0.05% | +379 bps | |
| Loan Growth (YoY) | -12.30% | -6.41% | 119.59% | 96.93% | 111.64% | +12,394 bps | |
| Share Growth (YoY) | -7.05% | -3.59% | -0.90% | -1.17% | -3.28% | +377 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 23.65% | 23.92% | 10.93% | 11.49% | 10.67% | -1,298 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 29.53% | 31.03% | 14.23% | 15.00% | 13.95% | -1,558 bps | |
| Capital | |||||||
| Risk-Based Capital | 33.43% | 33.57% | 33.82% | 34.04% | 35.45% | +202 bps | |
| Net Worth / Assets | 33.43% | 33.57% | 33.82% | 34.04% | 35.45% | +202 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 7.29% | 6.93% | 15.25% | 14.49% | 15.95% | +866 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
New York, NY · Charter 7172 · Peer group: credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=158-159)
NCUA · 1 branch
Q2 2026
Return on Assets
3.31%
Rank 5 of 159
Net Interest Margin
4.58%
Rank 33 of 159
Efficiency Ratio
27.59%
Rank 2 of 158
Equity / Assets
35.44%
Rank 11 of 159
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.31% | 0.00% | 0.40% | 1.00% | Beats 97% | 5 / 159 | |
| Return on Equity | 9.35% | 0.04% | 2.43% | 6.24% | Beats 87% | 20 / 159 | |
| Net Interest Margin | 4.58% | 2.79% | 3.84% | 4.44% | Beats 79% | 33 / 159 | |
| Efficiency Ratio | 27.59% | 74.21% | 85.84% | 96.50% | Beats 99% | 2 / 158 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 11.02% | 0.42% | 1.27% | 2.96% | Beats 5% | 151 / 158 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 35.44% | 10.80% | 14.61% | 21.35% | Beats 93% | 11 / 159 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 35.44% | 10.80% | 14.61% | 21.35% | Beats 93% | 11 / 159 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 15.89% | 27.85% | 44.27% | 75.14% | 10th pctl | 143 / 159 | |
| Loans / Assets | 10.02% | 22.38% | 35.34% | 62.74% | 8th pctl | 147 / 159 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||