New York, NY · Charter 7217
NCUA · 5 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
96
Asset Quality
55
Profitability
12
Liquidity
70
Efficiency
71
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 7217
NCUA · 5 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.01% | -0.01% | -0.04% | 0.11% | 0.08% | 0.18% | 0.45% | 0.52% | +41 bps | |
| Return on Equity | -0.03% | -0.07% | -0.21% | 0.59% | 0.44% | 1.17% | 2.65% | 3.02% | +243 bps | |
| Net Interest Margin | 0.68% | 0.67% | 0.73% | 0.82% | 0.85% | 0.86% | 1.57% | 1.64% | +82 bps | |
| Efficiency Ratio | 100.82% | 102.69% | 101.34% | 85.94% | 89.32% | 78.48% | 68.03% | 66.55% | -1,939 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.74% | 3.79% | 4.17% | 3.12% | 2.10% | 39.66% | 40.28% | 41.50% | +3,838 bps | |
| Loan Growth (YoY) | 10.56% | 9.69% | 10.23% | 9.29% | 8.68% | 59.61% | 57.81% | 58.53% | +4,924 bps | |
| Share Growth (YoY) | 0.81% | 4.11% | 4.30% | 2.93% | 1.94% | 40.76% | 41.73% | 43.55% | +4,062 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.81% | 1.02% | 0.57% | 0.47% | 0.61% | 0.60% | 0.57% | 0.63% | +16 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 | 18.00% | 17.78% | 17.64% | 17.80% | 17.68% | 15.03% | 17.07% | 17.16% | -64 bps | |
| Net Worth / Assets | 18.00% | 17.78% | 17.64% | 17.80% | 17.68% | 15.03% | 17.07% | 17.16% | -64 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.74% | 70.52% | 71.93% | 73.70% | 74.35% | 79.96% | 80.09% | 81.39% | +769 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
New York, NY · Charter 7217 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 5 branches
Q2 2026
Return on Assets
0.52%
Rank 340 of 435
Net Interest Margin
1.64%
Rank 428 of 435
Efficiency Ratio
66.55%
Rank 129 of 435
Equity / Assets
17.16%
Rank 16 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.52% | 0.55% | 0.81% | 1.14% | Beats 22% | 340 / 435 | ||
| Return on Equity | 3.02% | 5.12% | 7.41% | 9.70% | Beats 11% | 389 / 435 | ||
| Net Interest Margin | 1.64% | 3.01% | 3.39% | 3.75% | Beats 2% | 428 / 435 | ||
| Efficiency Ratio | 66.55% | 65.25% | 71.39% | 77.86% | Beats 71% | 129 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.63% | 0.45% | 0.69% | 1.05% | Beats 55% | 195 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 17.16% | 9.81% | 10.84% | 12.63% | Beats 96% | 16 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 17.16% | 9.81% | 10.84% | 12.63% | Beats 96% | 16 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 81.39% | 78.33% | 88.38% | 95.61% | 32nd pctl | 296 / 435 | ||
| Loans / Assets | 68.39% | 67.69% | 74.58% | 80.80% | 26th pctl | 321 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||