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Westchester Schools'

Rye Brook, NY · Charter 9532

NCUA · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Dallas-Fort Worth-Arlington, TX area3

Basis

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.

Peer group

Credit unions under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (n=60). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

23

Q2 2024Q2 2026peer median (50)

Asset Quality

93

Q2 2024Q2 2026peer median (50)

Profitability

37

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

55

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Westchester Schools'

Rye Brook, NY · Charter 9532

NCUA · 1 branch

Q2 2026

$40.6MAssets
$14.0MLoans
$35.5MShares
$4.5MNet Worth

Executive Summary

  • Earnings: ROA of 0.62%, up 12 bps year over year; NIM at 2.63%.
  • Asset quality: problem loans at 0.02% of loans (+1 bps YoY).
  • Capital: net worth / assets of 11.00%, up 58 bps from a year ago.
  • Funding: loans stand at 39.46% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.62%+12 bps YoY

Net Interest Margin (YTD, annualized)

2.63%+24 bps YoY

Efficiency Ratio (YTD, annualized)

78.35%-294 bps YoY

Net Worth / Assets

11.00%+58 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.79%0.73%0.45%0.49%0.53%0.51%0.55%0.62%+12 bps
Return on Equity7.19%6.73%4.26%4.71%4.74%4.68%5.08%5.60%+89 bps
Net Interest Margin2.65%2.59%2.40%2.39%2.57%2.49%2.56%2.63%+24 bps
Efficiency Ratio73.02%74.25%82.77%81.28%81.32%81.40%80.03%78.35%-294 bps
Growth
Asset Growth (YoY)-10.48%-8.61%-5.85%-0.83%3.54%5.79%3.37%-0.14%+69 bps
Loan Growth (YoY)25.86%22.92%15.51%14.30%6.23%3.65%2.00%-0.09%-1,439 bps
Share Growth (YoY)-12.65%-10.44%-7.32%-1.71%3.14%5.73%2.99%-1.01%+71 bps
Asset Quality
Delinquent Loans / Loans0.01%0.00%0.00%0.01%0.03%0.06%0.04%0.02%+1 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.92%10.90%10.67%10.42%11.09%10.81%10.85%11.00%+58 bps
Net Worth / Assets10.92%10.90%10.67%10.42%11.09%10.81%10.85%11.00%+58 bps
Liquidity & Funding
Loans / Shares39.91%40.59%39.34%39.09%41.10%39.79%38.96%39.46%+36 bps
Liquid Assets / Assets0.00%99.81%98.57%0.00%0.00%98.13%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Westchester Schools'

Rye Brook, NY · Charter 9532 · Peer group: credit unions under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (n=60)

NCUA · 1 branch

Q2 2026

$40.6MAssets
$14.0MLoans
$35.5MShares
$4.5MNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 93% of credit unions under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 5 of 60).
  • Widest gap: net interest margin trails 97% of credit unions under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 58 of 60).
  • Overall: at or above the peer median on 4 of 7 directional measures.

Return on Assets

0.62%

Rank 30 of 60

Net Interest Margin

2.63%

Rank 58 of 60

Efficiency Ratio

78.34%

Rank 28 of 60

Equity / Assets

11.00%

Rank 46 of 60

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.62%0.02%0.62%0.99%Beats 50%30 / 60
Return on Equity5.60%0.12%4.17%8.32%Beats 58%25 / 60
Net Interest Margin2.63%3.36%3.95%4.45%Beats 3%58 / 60
Efficiency Ratio78.34%70.09%78.52%92.77%Beats 55%28 / 60
Asset Quality
Nonperforming Loans / Loans0.02%0.25%0.82%1.91%Beats 93%5 / 60
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio11.00%11.15%14.35%19.86%Beats 23%46 / 60
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets11.00%11.15%14.35%19.86%Beats 23%46 / 60
Liquidity & Funding
Loans / Deposits39.46%51.31%60.45%81.20%5th pctl57 / 60
Loans / Assets34.48%41.11%52.43%68.66%8th pctl55 / 60
Brokered Deposits / Depositsn/aNot reported for this institution