Bloomfield, NJ · Charter 11014
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
85
Asset Quality
8
Profitability
67
Liquidity
62
Efficiency
85
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.
Bloomfield, NJ · Charter 11014
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 | 1.24% | 1.29% | 0.61% | 0.84% | 1.03% | -21 bps | |
| Return on Equity | 4.53% | 4.81% | 2.29% | 3.25% | 3.92% | -60 bps | |
| Net Interest Margin | 4.19% | 4.11% | 4.05% | 3.73% | 4.16% | -3 bps | |
| Efficiency Ratio | 67.54% | 65.60% | 66.68% | 74.44% | 63.58% | -396 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.93% | 6.12% | -0.60% | 1.95% | 6.06% | +213 bps | |
| Loan Growth (YoY) | -17.45% | -15.53% | -12.76% | -10.09% | -11.84% | +560 bps | |
| Share Growth (YoY) | 3.31% | 6.46% | -1.67% | 1.85% | 7.56% | +425 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 7.30% | 6.09% | 5.77% | 7.55% | 8.37% | +107 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 | 27.39% | 26.92% | 26.59% | 25.91% | 26.34% | -104 bps | |
| Net Worth / Assets | 27.39% | 26.92% | 26.59% | 25.91% | 26.34% | -104 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 76.49% | 71.46% | 68.71% | 63.74% | 62.69% | -1,380 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Bloomfield, NJ · Charter 11014 · 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
1.03%
Rank 38 of 159
Net Interest Margin
4.15%
Rank 55 of 159
Efficiency Ratio
63.46%
Rank 24 of 158
Equity / Assets
26.35%
Rank 24 of 159
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.03% | 0.00% | 0.40% | 1.00% | Beats 76% | 38 / 159 | |
| Return on Equity | 3.90% | 0.04% | 2.43% | 6.24% | Beats 59% | 65 / 159 | |
| Net Interest Margin | 4.15% | 2.79% | 3.84% | 4.44% | Beats 65% | 55 / 159 | |
| Efficiency Ratio | 63.46% | 74.21% | 85.84% | 96.50% | Beats 85% | 24 / 158 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 8.36% | 0.42% | 1.27% | 2.96% | Beats 8% | 147 / 158 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 26.35% | 10.80% | 14.61% | 21.35% | Beats 85% | 24 / 159 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 26.35% | 10.80% | 14.61% | 21.35% | Beats 85% | 24 / 159 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 62.69% | 27.85% | 44.27% | 75.14% | 65th pctl | 55 / 159 | |
| Loans / Assets | 46.04% | 22.38% | 35.34% | 62.74% | 58th pctl | 66 / 159 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||