Woodbridge, NJ · Charter 1108
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
23
Asset Quality
59
Profitability
61
Liquidity
80
Efficiency
54
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.
Woodbridge, NJ · Charter 1108
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 | 0.46% | 0.43% | 0.69% | 0.64% | 0.66% | +20 bps | |
| Return on Equity | 4.79% | 4.19% | 6.62% | 6.26% | 6.23% | +145 bps | |
| Net Interest Margin | 3.52% | 3.72% | 3.64% | 3.57% | 3.74% | +22 bps | |
| Efficiency Ratio | 85.37% | 87.75% | 83.96% | 85.10% | 85.23% | -14 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.65% | -0.51% | -0.68% | -1.40% | -3.13% | -248 bps | |
| Loan Growth (YoY) | 3.68% | 1.55% | 4.36% | 0.91% | 0.41% | -327 bps | |
| Share Growth (YoY) | -1.49% | -1.75% | -1.74% | -2.52% | -4.03% | -255 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.77% | 1.14% | 0.68% | 0.73% | 0.98% | +21 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 | 9.58% | 10.24% | 10.41% | 10.29% | 10.58% | +100 bps | |
| Net Worth / Assets | 9.58% | 10.24% | 10.41% | 10.29% | 10.58% | +100 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 51.31% | 55.74% | 55.13% | 52.32% | 53.68% | +238 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Woodbridge, NJ · Charter 1108 · 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
0.66%
Rank 61 of 159
Net Interest Margin
3.74%
Rank 85 of 159
Efficiency Ratio
85.22%
Rank 74 of 158
Equity / Assets
10.58%
Rank 123 of 159
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.66% | 0.00% | 0.40% | 1.00% | Beats 62% | 61 / 159 | |
| Return on Equity | 6.24% | 0.04% | 2.43% | 6.24% | Beats 75% | 40 / 159 | |
| Net Interest Margin | 3.74% | 2.79% | 3.84% | 4.44% | Beats 47% | 85 / 159 | |
| Efficiency Ratio | 85.22% | 74.21% | 85.84% | 96.50% | Beats 54% | 74 / 158 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.98% | 0.42% | 1.27% | 2.96% | Beats 59% | 66 / 158 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.58% | 10.80% | 14.61% | 21.35% | Beats 23% | 123 / 159 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.58% | 10.80% | 14.61% | 21.35% | Beats 23% | 123 / 159 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 53.68% | 27.85% | 44.27% | 75.14% | 57th pctl | 69 / 159 | |
| Loans / Assets | 47.31% | 22.38% | 35.34% | 62.74% | 61st pctl | 62 / 159 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||