Coxsackie, NY · Charter 888
NCUA · 2 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 NY (n=59). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
97
Asset Quality
3
Profitability
32
Liquidity
92
Efficiency
78
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.
Coxsackie, NY · Charter 888
NCUA · 2 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 | 0.99% | 1.08% | 1.11% | -2.07% | -0.91% | -190 bps | |
| Return on Equity | 3.51% | 3.76% | 3.77% | -7.17% | -3.18% | -669 bps | |
| Net Interest Margin | 4.90% | 4.84% | 4.85% | 4.44% | 4.47% | -43 bps | |
| Efficiency Ratio | 58.31% | 57.01% | 61.39% | 70.75% | 62.80% | +449 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.76% | 1.12% | 0.84% | -0.85% | -1.04% | -480 bps | |
| Loan Growth (YoY) | -17.39% | -17.48% | -18.33% | -20.37% | -16.12% | +127 bps | |
| Share Growth (YoY) | 4.17% | 0.99% | -0.31% | -1.17% | -1.47% | -564 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 8.95% | 8.07% | 8.16% | 3.57% | 7.69% | -126 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.46% | 3.27% | 3.54% | 3.38% | 4.79% | +133 bps | |
| Capital | |||||||
| Risk-Based Capital | 28.26% | 28.67% | 29.48% | 28.93% | 28.71% | +45 bps | |
| Net Worth / Assets | 28.26% | 28.67% | 29.48% | 28.93% | 28.71% | +45 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 70.49% | 68.86% | 70.19% | 63.70% | 60.01% | -1,048 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Coxsackie, NY · Charter 888 · Peer group: credit unions under $1B in assets in NY (n=59)
NCUA · 2 branches
Q2 2026
Return on Assets
-0.90%
Rank 56 of 59
Net Interest Margin
4.43%
Rank 10 of 59
Efficiency Ratio
63.27%
Rank 14 of 59
Equity / Assets
28.71%
Rank 2 of 59
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.90% | 0.28% | 1.01% | 1.42% | Beats 5% | 56 / 59 | |
| Return on Equity | -3.15% | 2.31% | 7.92% | 10.52% | Beats 7% | 55 / 59 | |
| Net Interest Margin | 4.43% | 3.24% | 3.66% | 4.04% | Beats 83% | 10 / 59 | |
| Efficiency Ratio | 63.27% | 63.53% | 74.15% | 82.44% | Beats 78% | 14 / 59 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 7.71% | 0.32% | 0.68% | 1.20% | Beats 3% | 58 / 59 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 28.71% | 10.94% | 13.05% | 16.06% | Beats 97% | 2 / 59 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 28.71% | 10.94% | 13.05% | 16.06% | Beats 97% | 2 / 59 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 60.02% | 40.49% | 57.59% | 78.86% | 53rd pctl | 28 / 59 | |
| Loans / Assets | 42.76% | 33.06% | 50.92% | 63.03% | 41st pctl | 35 / 59 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||