Roselle Park, NJ · Charter 120
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
8
Asset Quality
47
Profitability
70
Liquidity
73
Efficiency
73
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.
Roselle Park, NJ · Charter 120
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 | 0.25% | 0.22% | 0.48% | 0.51% | 0.55% | 0.50% | 0.83% | 0.74% | +23 bps | |
| Return on Equity | 2.77% | 2.53% | 5.68% | 5.99% | 6.13% | 5.84% | 9.75% | 8.78% | +279 bps | |
| Net Interest Margin | 3.55% | 3.42% | 3.62% | 3.75% | 3.97% | 3.89% | 4.02% | 3.99% | +24 bps | |
| Efficiency Ratio | 85.75% | 87.63% | 88.66% | 88.31% | 85.98% | 85.70% | 75.21% | 75.56% | -1,274 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.66% | -0.74% | 3.80% | 4.90% | 6.21% | 5.86% | 6.77% | 9.09% | +419 bps | |
| Loan Growth (YoY) | 9.70% | 14.67% | 20.99% | 28.62% | 39.77% | 37.19% | 32.29% | 19.46% | -916 bps | |
| Share Growth (YoY) | -5.29% | -1.03% | 3.78% | 4.86% | 6.38% | 5.84% | 6.65% | 9.24% | +438 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.35% | 1.11% | 0.93% | 0.90% | 1.26% | 1.34% | 1.24% | 1.37% | +47 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 | 8.98% | 8.60% | 8.48% | 8.56% | 8.90% | 8.63% | 8.52% | 8.45% | -11 bps | |
| Net Worth / Assets | 8.98% | 8.60% | 8.48% | 8.56% | 8.90% | 8.63% | 8.52% | 8.45% | -11 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 44.97% | 45.27% | 46.93% | 52.30% | 59.09% | 58.67% | 58.22% | 57.19% | +489 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Roselle Park, NJ · Charter 120 · 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
0.74%
Rank 55 of 159
Net Interest Margin
3.99%
Rank 66 of 159
Efficiency Ratio
75.56%
Rank 43 of 158
Equity / Assets
8.45%
Rank 146 of 159
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.74% | 0.00% | 0.40% | 1.00% | Beats 65% | 55 / 159 | ||
| Return on Equity | 8.78% | 0.04% | 2.43% | 6.24% | Beats 86% | 23 / 159 | ||
| Net Interest Margin | 3.99% | 2.79% | 3.84% | 4.44% | Beats 58% | 66 / 159 | ||
| Efficiency Ratio | 75.56% | 74.21% | 85.84% | 96.50% | Beats 73% | 43 / 158 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.37% | 0.42% | 1.27% | 2.96% | Beats 47% | 85 / 158 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 8.45% | 10.80% | 14.61% | 21.35% | Beats 8% | 146 / 159 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 8.45% | 10.80% | 14.61% | 21.35% | Beats 8% | 146 / 159 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 57.19% | 27.85% | 44.27% | 75.14% | 60th pctl | 64 / 159 | ||
| Loans / Assets | 52.45% | 22.38% | 35.34% | 62.74% | 67th pctl | 53 / 159 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||