Hamilton Square, NJ · Charter 1351
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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
62
Asset Quality
10
Profitability
74
Liquidity
47
Efficiency
98
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.
Hamilton Square, NJ · Charter 1351
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 | 2.09% | 2.18% | 2.12% | 1.92% | 1.97% | -12 bps | |
| Return on Equity | 15.97% | 15.64% | 15.17% | 13.65% | 13.90% | -207 bps | |
| Net Interest Margin | 3.64% | 3.78% | 3.66% | 3.52% | 3.45% | -19 bps | |
| Efficiency Ratio | 47.58% | 47.20% | 46.84% | 46.89% | 46.39% | -118 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.77% | 7.82% | 8.27% | 6.69% | 7.03% | +126 bps | |
| Loan Growth (YoY) | 17.03% | 16.58% | 14.46% | 12.45% | 9.71% | -732 bps | |
| Share Growth (YoY) | 3.01% | 5.70% | 5.86% | 4.17% | 4.91% | +190 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.11% | 1.94% | 2.03% | 1.99% | 2.62% | +51 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 | 13.08% | 13.96% | 14.00% | 14.09% | 14.21% | +112 bps | |
| Net Worth / Assets | 13.08% | 13.96% | 14.00% | 14.09% | 14.21% | +112 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 50.65% | 56.87% | 54.91% | 52.52% | 52.96% | +232 bps | |
| Liquid Assets / Assets | 0.00% | 99.64% | 0.00% | 0.00% | 0.00% | 0 bps | |
Hamilton Square, NJ · Charter 1351 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.97%
Rank 82 of 1,683
Net Interest Margin
3.45%
Rank 1,161 of 1,683
Efficiency Ratio
46.37%
Rank 43 of 1,682
Equity / Assets
14.21%
Rank 641 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.97% | 0.35% | 0.74% | 1.18% | Beats 95% | 82 / 1,683 | |
| Return on Equity | 13.90% | 2.67% | 5.89% | 8.74% | Beats 96% | 72 / 1,681 | |
| Net Interest Margin | 3.45% | 3.31% | 3.82% | 4.32% | Beats 31% | 1,161 / 1,683 | |
| Efficiency Ratio | 46.37% | 68.91% | 78.20% | 86.93% | Beats 98% | 43 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 2.62% | 0.26% | 0.65% | 1.29% | Beats 10% | 1,520 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 14.21% | 10.44% | 12.89% | 16.53% | Beats 62% | 641 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 14.21% | 10.44% | 12.89% | 16.53% | Beats 62% | 641 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 52.96% | 52.61% | 69.38% | 83.50% | 26th pctl | 1,253 / 1,683 | |
| Loans / Assets | 45.44% | 44.71% | 59.18% | 70.72% | 26th pctl | 1,247 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||