East Orange, NJ · Charter 11604
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
34
Asset Quality
50
Profitability
33
Liquidity
99
Efficiency
53
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.
East Orange, NJ · Charter 11604
NCUA · 2 branches
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% | 0.37% | 0.32% | 0.00% | 0.09% | -37 bps | |
| Return on Equity | 3.74% | 3.00% | 2.68% | -0.03% | 0.74% | -300 bps | |
| Net Interest Margin | 3.23% | 3.22% | 3.39% | 3.17% | 3.43% | +20 bps | |
| Efficiency Ratio | 86.38% | 86.79% | 85.49% | 85.11% | 85.51% | -87 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.40% | -4.75% | -4.66% | -2.77% | 1.29% | +569 bps | |
| Loan Growth (YoY) | -4.53% | -5.41% | -8.65% | -13.46% | -16.24% | -1,171 bps | |
| Share Growth (YoY) | -5.39% | -5.72% | -5.61% | -3.35% | 1.36% | +674 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.80% | 1.22% | 2.18% | 1.53% | 1.27% | +48 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 | 12.18% | 12.45% | 12.09% | 11.84% | 11.85% | -33 bps | |
| Net Worth / Assets | 12.18% | 12.45% | 12.09% | 11.84% | 11.85% | -33 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 53.15% | 53.59% | 50.66% | 46.63% | 43.93% | -923 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
East Orange, NJ · Charter 11604 · 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
0.09%
Rank 112 of 159
Net Interest Margin
3.44%
Rank 100 of 159
Efficiency Ratio
85.36%
Rank 76 of 158
Equity / Assets
11.85%
Rank 105 of 159
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.09% | 0.00% | 0.40% | 1.00% | Beats 30% | 112 / 159 | |
| Return on Equity | 0.74% | 0.04% | 2.43% | 6.24% | Beats 31% | 110 / 159 | |
| Net Interest Margin | 3.44% | 2.79% | 3.84% | 4.44% | Beats 37% | 100 / 159 | |
| Efficiency Ratio | 85.36% | 74.21% | 85.84% | 96.50% | Beats 53% | 76 / 158 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.27% | 0.42% | 1.27% | 2.96% | Beats 50% | 80 / 158 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 11.85% | 10.80% | 14.61% | 21.35% | Beats 34% | 105 / 159 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 11.85% | 10.80% | 14.61% | 21.35% | Beats 34% | 105 / 159 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 43.93% | 27.85% | 44.27% | 75.14% | 49th pctl | 81 / 159 | |
| Loans / Assets | 38.66% | 22.38% | 35.34% | 62.74% | 53rd pctl | 74 / 159 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||