Kearny, NJ · Charter 10614
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
84
Asset Quality
11
Profitability
21
Liquidity
13
Efficiency
23
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.
Kearny, NJ · Charter 10614
NCUA · 1 branch
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 | -1.18% | -1.35% | 0.00% | -0.54% | -0.73% | -0.72% | 0.25% | 0.03% | +57 bps | |
| Return on Equity | -6.15% | -6.71% | 0.02% | -2.60% | -3.10% | -2.73% | 0.96% | 0.11% | +271 bps | |
| Net Interest Margin | 0.26% | 0.13% | 1.43% | 1.03% | 0.99% | 1.23% | 2.12% | 2.05% | +101 bps | |
| Efficiency Ratio | 556% | 1144% | 99.74% | 152.59% | 173.34% | 158.50% | 88.02% | 98.60% | -5,399 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -15.80% | -20.94% | -17.37% | -12.47% | -21.88% | -25.86% | -26.84% | -20.88% | -841 bps | |
| Loan Growth (YoY) | -20.99% | -21.52% | -18.14% | -17.07% | -15.25% | -13.06% | -6.25% | -2.03% | +1,505 bps | |
| Share Growth (YoY) | -15.10% | -20.42% | -13.83% | -11.64% | -21.77% | -31.58% | -32.87% | -26.06% | -1,441 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.80% | 7.71% | 6.43% | 4.03% | 5.76% | 7.20% | 1.31% | 6.07% | +204 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 | 4.90% | 5.17% | 5.49% | 5.69% | 5.78% | 5.94% | 5.86% | 4.83% | -86 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.25% | 20.07% | 19.87% | 20.97% | 23.57% | 26.31% | 26.47% | 26.11% | +515 bps | |
| Net Worth / Assets | 19.25% | 20.07% | 19.87% | 20.97% | 23.57% | 26.31% | 26.47% | 26.11% | +515 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 15.65% | 15.10% | 14.01% | 14.65% | 16.96% | 19.19% | 19.56% | 19.41% | +476 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Kearny, NJ · Charter 10614 · 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
0.04%
Rank 116 of 159
Net Interest Margin
2.05%
Rank 145 of 159
Efficiency Ratio
98.25%
Rank 122 of 158
Equity / Assets
26.11%
Rank 25 of 159
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.04% | 0.00% | 0.40% | 1.00% | Beats 27% | 116 / 159 | ||
| Return on Equity | 0.14% | 0.04% | 2.43% | 6.24% | Beats 26% | 118 / 159 | ||
| Net Interest Margin | 2.05% | 2.79% | 3.84% | 4.44% | Beats 9% | 145 / 159 | ||
| Efficiency Ratio | 98.25% | 74.21% | 85.84% | 96.50% | Beats 23% | 122 / 158 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 6.05% | 0.42% | 1.27% | 2.96% | Beats 11% | 142 / 158 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 26.11% | 10.80% | 14.61% | 21.35% | Beats 84% | 25 / 159 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 26.11% | 10.80% | 14.61% | 21.35% | Beats 84% | 25 / 159 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 19.41% | 27.85% | 44.27% | 75.14% | 16th pctl | 134 / 159 | ||
| Loans / Assets | 14.30% | 22.38% | 35.34% | 62.74% | 13th pctl | 139 / 159 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||