New York, NY · Charter 930
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
72
Asset Quality
100
Profitability
51
Liquidity
19
Efficiency
39
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 930
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 | 0.27% | 0.15% | 0.26% | 0.00% | 0.36% | +9 bps | |
| Return on Equity | 1.45% | 0.79% | 1.37% | -0.03% | 1.75% | +30 bps | |
| Net Interest Margin | 3.55% | 3.52% | 3.55% | 3.61% | 3.95% | +40 bps | |
| Efficiency Ratio | 92.60% | 95.77% | 92.80% | 100.14% | 91.10% | -150 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.31% | -3.74% | -3.27% | -3.60% | -6.69% | -538 bps | |
| Loan Growth (YoY) | -34.05% | -27.07% | -14.87% | 1.67% | 21.25% | +5,529 bps | |
| Share Growth (YoY) | -1.57% | -4.62% | -4.39% | -4.68% | -8.64% | -707 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.59% | 0.29% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 24.59% | 25.54% | 17.54% | 18.53% | 20.28% | -431 bps | |
| Capital | |||||||
| Risk-Based Capital | 18.66% | 19.25% | 19.18% | 19.89% | 20.30% | +165 bps | |
| Net Worth / Assets | 18.66% | 19.25% | 19.18% | 19.89% | 20.30% | +165 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 15.94% | 16.01% | 23.02% | 22.82% | 21.15% | +521 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
New York, NY · Charter 930 · 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
0.39%
Rank 82 of 159
Net Interest Margin
4.07%
Rank 62 of 159
Efficiency Ratio
90.48%
Rank 98 of 158
Equity / Assets
20.25%
Rank 44 of 159
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.39% | 0.00% | 0.40% | 1.00% | Beats 48% | 82 / 159 | |
| Return on Equity | 1.91% | 0.04% | 2.43% | 6.24% | Beats 44% | 89 / 159 | |
| Net Interest Margin | 4.07% | 2.79% | 3.84% | 4.44% | Beats 61% | 62 / 159 | |
| Efficiency Ratio | 90.48% | 74.21% | 85.84% | 96.50% | Beats 39% | 98 / 158 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.42% | 1.27% | 2.96% | Beats 100% | 18 / 158 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 20.25% | 10.80% | 14.61% | 21.35% | Beats 72% | 44 / 159 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 20.25% | 10.80% | 14.61% | 21.35% | Beats 72% | 44 / 159 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 21.15% | 27.85% | 44.27% | 75.14% | 20th pctl | 127 / 159 | |
| Loans / Assets | 16.76% | 22.38% | 35.34% | 62.74% | 18th pctl | 130 / 159 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||