New York, NY · Charter 798
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 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
47
Asset Quality
10
Profitability
65
Liquidity
20
Efficiency
48
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 798
NCUA · 3 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 | 1.47% | 1.57% | 3.60% | 2.81% | 2.20% | 2.00% | 0.75% | 0.65% | -216 bps | |
| Return on Equity | 13.19% | 13.77% | 29.45% | 21.68% | 16.55% | 14.90% | 5.39% | 4.61% | -1,708 bps | |
| Net Interest Margin | 4.69% | 4.74% | 5.09% | 5.26% | 4.98% | 4.85% | 4.43% | 4.32% | -94 bps | |
| Efficiency Ratio | 71.42% | 69.72% | 50.83% | 57.00% | 63.45% | 65.24% | 84.12% | 86.00% | +2,899 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.34% | -0.31% | -0.32% | -3.46% | -0.44% | -0.31% | -3.47% | -1.41% | +206 bps | |
| Loan Growth (YoY) | 7.00% | 4.61% | 5.82% | -2.68% | -9.87% | -7.71% | -15.15% | -11.30% | -862 bps | |
| Share Growth (YoY) | -2.73% | -2.10% | -2.57% | -5.94% | -2.66% | -2.44% | -5.63% | -3.07% | +286 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.96% | 1.38% | 1.49% | 4.72% | 0.69% | 3.01% | 4.28% | 6.97% | +225 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 | 2.60% | 3.13% | 3.24% | 3.77% | 2.81% | 3.15% | 2.64% | 2.54% | -123 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.11% | 11.40% | 12.24% | 12.95% | 13.31% | 13.44% | 13.99% | 14.08% | +113 bps | |
| Net Worth / Assets | 11.11% | 11.40% | 12.24% | 12.95% | 13.31% | 13.44% | 13.99% | 14.08% | +113 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 24.57% | 23.19% | 24.08% | 23.37% | 22.75% | 21.93% | 21.64% | 21.38% | -198 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 798 · Peer group: credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=158-159)
NCUA · 3 branches
Q2 2026
Return on Assets
0.66%
Rank 62 of 159
Net Interest Margin
4.31%
Rank 47 of 159
Efficiency Ratio
86.43%
Rank 83 of 158
Equity / Assets
14.09%
Rank 84 of 159
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.66% | 0.00% | 0.40% | 1.00% | Beats 61% | 62 / 159 | ||
| Return on Equity | 4.67% | 0.04% | 2.43% | 6.24% | Beats 65% | 56 / 159 | ||
| Net Interest Margin | 4.31% | 2.79% | 3.84% | 4.44% | Beats 70% | 47 / 159 | ||
| Efficiency Ratio | 86.43% | 74.21% | 85.84% | 96.50% | Beats 48% | 83 / 158 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 6.96% | 0.42% | 1.27% | 2.96% | Beats 10% | 143 / 158 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.09% | 10.80% | 14.61% | 21.35% | Beats 47% | 84 / 159 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 14.09% | 10.80% | 14.61% | 21.35% | Beats 47% | 84 / 159 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 21.38% | 27.85% | 44.27% | 75.14% | 21st pctl | 126 / 159 | ||
| Loans / Assets | 18.20% | 22.38% | 35.34% | 62.74% | 20th pctl | 127 / 159 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||