Rancocas, NJ · Charter 12679
NCUA · 7 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 Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=50 to 51). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
14
Asset Quality
58
Profitability
62
Liquidity
92
Efficiency
34
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.
Rancocas, NJ · Charter 12679
NCUA · 7 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 | 0.13% | 0.71% | 0.68% | 0.05% | 0.55% | +42 bps | |
| Return on Equity | 1.48% | 7.68% | 7.31% | 0.51% | 5.93% | +445 bps | |
| Net Interest Margin | 3.37% | 3.46% | 3.44% | 3.58% | 3.67% | +30 bps | |
| Efficiency Ratio | 92.56% | 82.52% | 84.18% | 93.73% | 86.48% | -608 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.96% | 5.38% | 2.45% | 3.03% | 2.51% | +55 bps | |
| Loan Growth (YoY) | 2.64% | 3.06% | 2.45% | 1.47% | 1.23% | -141 bps | |
| Share Growth (YoY) | 4.27% | 8.34% | 4.04% | 3.36% | 1.22% | -305 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.56% | 0.43% | 0.35% | 0.51% | 0.72% | +16 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 | 8.61% | 9.19% | 9.31% | 9.14% | 9.27% | +66 bps | |
| Net Worth / Assets | 8.61% | 9.19% | 9.31% | 9.14% | 9.27% | +66 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 53.87% | 55.82% | 55.14% | 53.42% | 53.88% | +1 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Rancocas, NJ · Charter 12679 · Peer group: credit unions under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=50-51)
NCUA · 7 branches
Q2 2026
Return on Assets
0.55%
Rank 22 of 51
Net Interest Margin
3.67%
Rank 21 of 51
Efficiency Ratio
86.49%
Rank 34 of 50
Equity / Assets
9.27%
Rank 44 of 51
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.55% | -0.05% | 0.48% | 0.90% | Beats 57% | 22 / 51 | |
| Return on Equity | 5.93% | -0.58% | 4.00% | 6.90% | Beats 69% | 16 / 51 | |
| Net Interest Margin | 3.67% | 2.96% | 3.44% | 3.98% | Beats 59% | 21 / 51 | |
| Efficiency Ratio | 86.49% | 73.91% | 81.87% | 94.16% | Beats 34% | 34 / 50 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.72% | 0.19% | 0.96% | 1.83% | Beats 58% | 22 / 50 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.27% | 10.44% | 12.55% | 18.48% | Beats 14% | 44 / 51 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.27% | 10.44% | 12.55% | 18.48% | Beats 14% | 44 / 51 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 53.88% | 28.84% | 50.95% | 65.41% | 59th pctl | 21 / 51 | |
| Loans / Assets | 50.68% | 20.51% | 39.58% | 57.94% | 63rd pctl | 19 / 51 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||