Milford, NJ · Charter 13944
NCUA · 4 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
21
Asset Quality
41
Profitability
46
Liquidity
53
Efficiency
56
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.
Milford, NJ · Charter 13944
NCUA · 4 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 | 0.44% | 0.36% | 0.32% | 0.33% | 0.40% | -4 bps | |
| Return on Equity | 4.31% | 3.54% | 3.16% | 3.26% | 3.89% | -42 bps | |
| Net Interest Margin | 2.91% | 2.92% | 2.93% | 3.00% | 3.12% | +21 bps | |
| Efficiency Ratio | 83.75% | 85.71% | 86.87% | 85.37% | 83.29% | -46 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.75% | -0.05% | 0.00% | 2.58% | 1.46% | +221 bps | |
| Loan Growth (YoY) | -3.03% | -1.66% | 0.76% | 1.04% | 2.43% | +546 bps | |
| Share Growth (YoY) | -1.26% | -0.66% | -0.27% | 2.48% | 1.33% | +259 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.23% | 2.05% | 1.68% | 1.51% | 1.77% | -46 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 | 10.20% | 10.28% | 10.28% | 10.15% | 10.36% | +16 bps | |
| Net Worth / Assets | 10.20% | 10.28% | 10.28% | 10.15% | 10.36% | +16 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 30.42% | 31.03% | 30.75% | 30.14% | 30.76% | +33 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Milford, NJ · Charter 13944 · Peer group: credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=158-159)
NCUA · 4 branches
Q2 2026
Return on Assets
0.40%
Rank 80 of 159
Net Interest Margin
3.12%
Rank 111 of 159
Efficiency Ratio
83.28%
Rank 70 of 158
Equity / Assets
10.36%
Rank 125 of 159
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.40% | 0.00% | 0.40% | 1.00% | Beats 50% | 80 / 159 | |
| Return on Equity | 3.89% | 0.04% | 2.43% | 6.24% | Beats 58% | 66 / 159 | |
| Net Interest Margin | 3.12% | 2.79% | 3.84% | 4.44% | Beats 30% | 111 / 159 | |
| Efficiency Ratio | 83.28% | 74.21% | 85.84% | 96.50% | Beats 56% | 70 / 158 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.77% | 0.42% | 1.27% | 2.96% | Beats 41% | 94 / 158 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.36% | 10.80% | 14.61% | 21.35% | Beats 21% | 125 / 159 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.36% | 10.80% | 14.61% | 21.35% | Beats 21% | 125 / 159 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 30.76% | 27.85% | 44.27% | 75.14% | 30th pctl | 112 / 159 | |
| Loans / Assets | 27.39% | 22.38% | 35.34% | 62.74% | 35th pctl | 104 / 159 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||