Bloomfield, NJ · Charter 1131
NCUA · 2 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
6
Asset Quality
84
Profitability
50
Liquidity
54
Efficiency
30
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 1131
NCUA · 2 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 | 0.09% | 0.09% | 0.03% | 0.18% | 0.30% | 0.30% | 0.12% | 0.25% | +7 bps | |
| Return on Equity | 1.18% | 1.11% | 0.38% | 2.48% | 3.93% | 3.77% | 1.50% | 3.12% | +63 bps | |
| Net Interest Margin | 4.26% | 4.38% | 3.75% | 3.73% | 3.98% | 4.12% | 3.96% | 3.91% | +18 bps | |
| Efficiency Ratio | 73.72% | 77.51% | 96.87% | 94.92% | 93.15% | 92.22% | 95.70% | 94.09% | -83 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.07% | -6.45% | -6.97% | -0.25% | -0.20% | 0.86% | -1.48% | -6.40% | -615 bps | |
| Loan Growth (YoY) | -17.52% | -19.00% | -21.48% | -14.95% | -16.34% | -17.60% | -19.05% | -19.51% | -455 bps | |
| Share Growth (YoY) | -6.49% | -6.87% | -7.36% | -3.25% | 0.99% | -1.45% | -1.85% | -4.96% | -171 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.91% | 1.15% | 2.22% | 0.51% | 0.16% | 0.21% | 0.65% | 0.19% | -32 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 | 7.43% | 7.80% | 7.45% | 7.15% | 7.66% | 8.00% | 7.88% | 7.97% | +81 bps | |
| Net Worth / Assets | 7.43% | 7.80% | 7.45% | 7.15% | 7.66% | 8.00% | 7.88% | 7.97% | +81 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 44.77% | 42.21% | 37.52% | 36.79% | 37.09% | 35.29% | 30.94% | 31.16% | -563 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Bloomfield, NJ · Charter 1131 · Peer group: credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=158-159)
NCUA · 2 branches
Q2 2026
Return on Assets
0.25%
Rank 94 of 159
Net Interest Margin
3.90%
Rank 74 of 159
Efficiency Ratio
94.28%
Rank 112 of 158
Equity / Assets
7.97%
Rank 150 of 159
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.25% | 0.00% | 0.40% | 1.00% | Beats 41% | 94 / 159 | ||
| Return on Equity | 3.11% | 0.04% | 2.43% | 6.24% | Beats 55% | 71 / 159 | ||
| Net Interest Margin | 3.90% | 2.79% | 3.84% | 4.44% | Beats 53% | 74 / 159 | ||
| Efficiency Ratio | 94.28% | 74.21% | 85.84% | 96.50% | Beats 30% | 112 / 158 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.20% | 0.42% | 1.27% | 2.96% | Beats 84% | 27 / 158 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 7.97% | 10.80% | 14.61% | 21.35% | Beats 6% | 150 / 159 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 7.97% | 10.80% | 14.61% | 21.35% | Beats 6% | 150 / 159 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 31.16% | 27.85% | 44.27% | 75.14% | 31st pctl | 110 / 159 | ||
| Loans / Assets | 28.06% | 22.38% | 35.34% | 62.74% | 36th pctl | 101 / 159 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||