Totowa, NJ · Charter 1015
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
22
Asset Quality
63
Profitability
61
Liquidity
61
Efficiency
53
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.
Totowa, NJ · Charter 1015
NCUA · 3 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 | 0.26% | 0.35% | 0.19% | 0.78% | 0.58% | +32 bps | |
| Return on Equity | 2.38% | 3.29% | 1.89% | 7.50% | 5.48% | +310 bps | |
| Net Interest Margin | 3.64% | 3.53% | 3.51% | 3.76% | 3.90% | +26 bps | |
| Efficiency Ratio | 90.98% | 88.29% | 90.44% | 80.80% | 85.23% | -574 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.43% | 8.60% | 8.64% | 9.65% | 9.96% | +1,139 bps | |
| Loan Growth (YoY) | -2.61% | 4.63% | 2.25% | 2.21% | 1.38% | +399 bps | |
| Share Growth (YoY) | -3.01% | 8.03% | 7.71% | 9.00% | 9.67% | +1,267 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.80% | 0.72% | 1.10% | 0.77% | 0.89% | +9 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 | 10.77% | 10.60% | 10.14% | 10.41% | 10.55% | -22 bps | |
| Net Worth / Assets | 10.77% | 10.60% | 10.14% | 10.41% | 10.55% | -22 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 68.06% | 67.82% | 66.29% | 63.92% | 62.92% | -514 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Totowa, NJ · Charter 1015 · 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
0.58%
Rank 66 of 159
Net Interest Margin
3.90%
Rank 75 of 159
Efficiency Ratio
85.23%
Rank 75 of 158
Equity / Assets
10.55%
Rank 124 of 159
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.58% | 0.00% | 0.40% | 1.00% | Beats 58% | 66 / 159 | |
| Return on Equity | 5.48% | 0.04% | 2.43% | 6.24% | Beats 71% | 46 / 159 | |
| Net Interest Margin | 3.90% | 2.79% | 3.84% | 4.44% | Beats 53% | 75 / 159 | |
| Efficiency Ratio | 85.23% | 74.21% | 85.84% | 96.50% | Beats 53% | 75 / 158 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.89% | 0.42% | 1.27% | 2.96% | Beats 63% | 60 / 158 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.55% | 10.80% | 14.61% | 21.35% | Beats 22% | 124 / 159 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.55% | 10.80% | 14.61% | 21.35% | Beats 22% | 124 / 159 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 62.92% | 27.85% | 44.27% | 75.14% | 66th pctl | 54 / 159 | |
| Loans / Assets | 57.76% | 22.38% | 35.34% | 62.74% | 70th pctl | 47 / 159 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||