Freehold, NJ · Charter 1021
NCUA · 4 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
7
Asset Quality
27
Profitability
61
Liquidity
51
Efficiency
35
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.
Freehold, NJ · Charter 1021
NCUA · 4 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.28% | 1.11% | 0.85% | 0.72% | 0.72% | 0.90% | 0.31% | 0.40% | -31 bps | |
| Return on Equity | 19.10% | 16.77% | 11.99% | 9.77% | 9.09% | 11.28% | 3.74% | 4.84% | -493 bps | |
| Net Interest Margin | 4.05% | 3.97% | 4.02% | 4.09% | 4.35% | 4.23% | 4.14% | 4.19% | +10 bps | |
| Efficiency Ratio | 75.56% | 76.25% | 83.51% | 86.03% | 86.63% | 83.21% | 93.74% | 91.91% | +587 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.26% | -4.72% | -2.90% | -4.17% | -4.18% | -3.66% | -4.65% | -3.79% | +38 bps | |
| Loan Growth (YoY) | 7.07% | 4.80% | 2.12% | -0.35% | -1.92% | -3.88% | -2.22% | 1.26% | +161 bps | |
| Share Growth (YoY) | -10.20% | -6.58% | -4.82% | -6.24% | -6.02% | -5.57% | -6.35% | -5.34% | +89 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.35% | 3.05% | 2.82% | 3.36% | 3.29% | 2.97% | 2.86% | 2.78% | -59 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.72% | 6.63% | 7.12% | 7.32% | 7.90% | 7.97% | 8.16% | 8.27% | +96 bps | |
| Net Worth / Assets | 6.72% | 6.63% | 7.12% | 7.32% | 7.90% | 7.97% | 8.16% | 8.27% | +96 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.45% | 62.61% | 62.64% | 63.54% | 67.26% | 63.74% | 65.40% | 67.97% | +443 bps | |
| Liquid Assets / Assets | 0.00% | 99.43% | 0.00% | 0.00% | 0.00% | 99.12% | 0.00% | 99.75% | +9,975 bps | |
Freehold, NJ · Charter 1021 · Peer group: credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=158-159)
NCUA · 4 branches
Q2 2026
Return on Assets
0.40%
Rank 81 of 159
Net Interest Margin
4.19%
Rank 51 of 159
Efficiency Ratio
91.90%
Rank 103 of 158
Equity / Assets
8.27%
Rank 148 of 159
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.40% | 0.00% | 0.40% | 1.00% | Beats 49% | 81 / 159 | ||
| Return on Equity | 4.84% | 0.04% | 2.43% | 6.24% | Beats 67% | 53 / 159 | ||
| Net Interest Margin | 4.19% | 2.79% | 3.84% | 4.44% | Beats 68% | 51 / 159 | ||
| Efficiency Ratio | 91.90% | 74.21% | 85.84% | 96.50% | Beats 35% | 103 / 158 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.78% | 0.42% | 1.27% | 2.96% | Beats 27% | 117 / 158 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 8.27% | 10.80% | 14.61% | 21.35% | Beats 7% | 148 / 159 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 8.27% | 10.80% | 14.61% | 21.35% | Beats 7% | 148 / 159 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 67.97% | 27.85% | 44.27% | 75.14% | 69th pctl | 50 / 159 | ||
| Loans / Assets | 62.74% | 22.38% | 35.34% | 62.74% | 75th pctl | 40 / 159 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||