Rahway, NJ · Charter 1454
NCUA · 3 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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
93
Asset Quality
91
Profitability
24
Liquidity
0
Efficiency
100
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.
Rahway, NJ · Charter 1454
NCUA · 3 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 | -0.41% | -0.38% | -0.06% | 0.00% | 0.09% | 0.18% | 0.65% | 0.77% | +77 bps | |
| Return on Equity | -3.04% | -2.83% | -0.46% | 0.00% | 0.65% | 1.28% | 4.32% | 4.98% | +498 bps | |
| Net Interest Margin | -0.19% | -0.16% | 0.32% | 0.40% | 0.49% | 0.56% | 1.02% | 1.17% | +77 bps | |
| Efficiency Ratio | 2034% | 928% | 111.44% | 97.42% | 80.47% | 69.02% | 42.30% | 39.80% | -5,762 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.90% | -7.26% | -6.85% | -3.76% | -2.93% | -1.67% | -8.26% | -8.03% | -427 bps | |
| Loan Growth (YoY) | -1.14% | -1.17% | -0.12% | -0.48% | 0.97% | 3.06% | 3.05% | 7.54% | +802 bps | |
| Share Growth (YoY) | -12.79% | -9.33% | -8.45% | -6.77% | -5.25% | -4.01% | -3.23% | -2.57% | +421 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.85% | 0.84% | 0.58% | 0.56% | 0.26% | 0.21% | 0.37% | 0.30% | -26 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 | 13.53% | 13.56% | 13.41% | 13.68% | 13.93% | 13.97% | 14.99% | 15.45% | +177 bps | |
| Net Worth / Assets | 13.53% | 13.56% | 13.41% | 13.68% | 13.93% | 13.97% | 14.99% | 15.45% | +177 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 16.32% | 16.33% | 16.02% | 16.60% | 17.39% | 17.53% | 17.06% | 18.32% | +172 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Rahway, NJ · Charter 1454 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 3 branches
Q2 2026
Return on Assets
0.77%
Rank 235 of 435
Net Interest Margin
1.17%
Rank 432 of 435
Efficiency Ratio
39.80%
Rank 2 of 435
Equity / Assets
15.45%
Rank 32 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.77% | 0.55% | 0.81% | 1.14% | Beats 46% | 235 / 435 | ||
| Return on Equity | 4.98% | 5.12% | 7.41% | 9.70% | Beats 24% | 332 / 435 | ||
| Net Interest Margin | 1.17% | 3.01% | 3.39% | 3.75% | Beats 1% | 432 / 435 | ||
| Efficiency Ratio | 39.80% | 65.25% | 71.39% | 77.86% | Beats 100% | 2 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.30% | 0.45% | 0.69% | 1.05% | Beats 91% | 41 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.45% | 9.81% | 10.84% | 12.63% | Beats 93% | 32 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 15.45% | 9.81% | 10.84% | 12.63% | Beats 93% | 32 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 18.32% | 78.33% | 88.38% | 95.61% | 0th pctl | 434 / 435 | ||
| Loans / Assets | 13.41% | 67.69% | 74.58% | 80.80% | 0th pctl | 435 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||