Kenilworth, NJ · Charter 14172
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 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
94
Asset Quality
31
Profitability
65
Liquidity
0
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.
Kenilworth, NJ · Charter 14172
NCUA · 1 branch
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 | 0.98% | 1.07% | 0.62% | 1.02% | 1.20% | 1.16% | 1.12% | 0.81% | -21 bps | |
| Return on Equity | 2.92% | 3.13% | 1.81% | 2.98% | 3.38% | 3.18% | 3.14% | 2.23% | -75 bps | |
| Net Interest Margin | 4.86% | 4.83% | 4.62% | 4.79% | 5.02% | 5.07% | 4.60% | 4.58% | -21 bps | |
| Efficiency Ratio | 80.13% | 78.31% | 86.97% | 79.23% | 76.57% | 77.59% | 76.01% | 82.62% | +338 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.40% | -8.51% | -4.71% | -3.02% | -2.03% | -3.35% | -0.34% | -2.73% | +29 bps | |
| Loan Growth (YoY) | 28.01% | 14.82% | 12.53% | 17.38% | 9.32% | 5.99% | 2.96% | -7.19% | -2,457 bps | |
| Share Growth (YoY) | -13.17% | -13.58% | -8.58% | -6.23% | -4.98% | -6.90% | -2.26% | -5.72% | +51 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.83% | 0.00% | 0.63% | 0.99% | 0.57% | 0.56% | 0.54% | 2.33% | +134 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 | 33.56% | 34.13% | 34.21% | 34.15% | 35.59% | 36.57% | 35.66% | 36.21% | +206 bps | |
| Net Worth / Assets | 33.56% | 34.13% | 34.21% | 34.15% | 35.59% | 36.57% | 35.66% | 36.21% | +206 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 106.77% | 111.41% | 114.88% | 119.04% | 122.85% | 126.84% | 121.02% | 117.19% | -186 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Kenilworth, NJ · Charter 14172 · Peer group: credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=158-159)
NCUA · 1 branch
Q2 2026
Return on Assets
0.82%
Rank 50 of 159
Net Interest Margin
4.55%
Rank 35 of 159
Efficiency Ratio
83.33%
Rank 71 of 158
Equity / Assets
36.21%
Rank 10 of 159
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.82% | 0.00% | 0.40% | 1.00% | Beats 69% | 50 / 159 | ||
| Return on Equity | 2.27% | 0.04% | 2.43% | 6.24% | Beats 48% | 82 / 159 | ||
| Net Interest Margin | 4.55% | 2.79% | 3.84% | 4.44% | Beats 78% | 35 / 159 | ||
| Efficiency Ratio | 83.33% | 74.21% | 85.84% | 96.50% | Beats 56% | 71 / 158 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.35% | 0.42% | 1.27% | 2.96% | Beats 31% | 110 / 158 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 36.21% | 10.80% | 14.61% | 21.35% | Beats 94% | 10 / 159 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 36.21% | 10.80% | 14.61% | 21.35% | Beats 94% | 10 / 159 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 117.23% | 27.85% | 44.27% | 75.14% | 97th pctl | 4 / 159 | ||
| Loans / Assets | 74.81% | 22.38% | 35.34% | 62.74% | 89th pctl | 17 / 159 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||