Lakewood, NY · Charter 9107
NCUA · 10 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
80
Asset Quality
19
Profitability
81
Liquidity
1
Efficiency
46
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.
Lakewood, NY · Charter 9107
NCUA · 10 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 | 1.30% | 1.51% | 1.59% | 2.53% | 1.62% | +32 bps | |
| Return on Equity | 8.06% | 8.98% | 9.42% | 18.59% | 9.22% | +116 bps | |
| Net Interest Margin | 5.10% | 5.49% | 5.47% | 5.68% | 4.80% | -30 bps | |
| Efficiency Ratio | 75.48% | 70.76% | 66.78% | 71.66% | 75.28% | -20 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.44% | 6.56% | 7.18% | 5.96% | 1.33% | -510 bps | |
| Loan Growth (YoY) | 1.47% | 0.98% | -1.05% | -1.22% | -1.74% | -321 bps | |
| Share Growth (YoY) | 6.42% | 5.96% | 6.50% | 5.79% | 0.05% | -636 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.53% | 0.92% | 1.35% | 1.75% | 1.61% | +109 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.10% | 16.83% | 16.93% | 13.60% | 17.58% | +147 bps | |
| Net Worth / Assets | 16.10% | 16.83% | 16.93% | 13.60% | 17.58% | +147 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 87.50% | 89.46% | 86.26% | 82.90% | 85.93% | -157 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Lakewood, NY · Charter 9107 · Peer group: credit unions under $1B in assets in NY (n=59)
NCUA · 10 branches
Q2 2026
Return on Assets
1.62%
Rank 8 of 59
Net Interest Margin
4.80%
Rank 5 of 59
Efficiency Ratio
75.27%
Rank 33 of 59
Equity / Assets
17.58%
Rank 12 of 59
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.62% | 0.28% | 1.01% | 1.42% | Beats 86% | 8 / 59 | |
| Return on Equity | 9.22% | 2.31% | 7.92% | 10.52% | Beats 66% | 20 / 59 | |
| Net Interest Margin | 4.80% | 3.24% | 3.66% | 4.04% | Beats 92% | 5 / 59 | |
| Efficiency Ratio | 75.27% | 63.53% | 74.15% | 82.44% | Beats 46% | 33 / 59 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.61% | 0.32% | 0.68% | 1.20% | Beats 19% | 49 / 59 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 17.58% | 10.94% | 13.05% | 16.06% | Beats 80% | 12 / 59 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 17.58% | 10.94% | 13.05% | 16.06% | Beats 80% | 12 / 59 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 85.93% | 40.49% | 57.59% | 78.86% | 86th pctl | 8 / 59 | |
| Loans / Assets | 71.00% | 33.06% | 50.92% | 63.03% | 86th pctl | 8 / 59 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||