Holmdel, NJ · Charter 15370
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
83
Asset Quality
18
Profitability
27
Liquidity
0
Efficiency
47
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.
Holmdel, NJ · Charter 15370
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 | 0.66% | 0.49% | 0.52% | -0.48% | -0.67% | -133 bps | |
| Return on Equity | 2.70% | 1.98% | 2.00% | -1.92% | -2.64% | -534 bps | |
| Net Interest Margin | 3.45% | 3.71% | 4.00% | 3.68% | 3.94% | +49 bps | |
| Efficiency Ratio | 83.92% | 81.92% | 83.89% | 89.64% | 86.12% | +220 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.70% | -9.41% | -8.72% | -5.69% | -5.01% | +369 bps | |
| Loan Growth (YoY) | -4.85% | -4.37% | -1.70% | 1.17% | -0.08% | +478 bps | |
| Share Growth (YoY) | -11.56% | -12.61% | -12.11% | -7.93% | -6.72% | +484 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.28% | 3.67% | 3.44% | 1.44% | 3.80% | +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 | 24.33% | 24.92% | 26.18% | 25.25% | 25.50% | +117 bps | |
| Net Worth / Assets | 24.33% | 24.92% | 26.18% | 25.25% | 25.50% | +117 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 13.91% | 14.69% | 16.57% | 14.52% | 14.90% | +99 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Holmdel, NJ · Charter 15370 · 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
-0.68%
Rank 142 of 159
Net Interest Margin
3.93%
Rank 72 of 159
Efficiency Ratio
86.88%
Rank 84 of 158
Equity / Assets
25.50%
Rank 27 of 159
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.68% | 0.00% | 0.40% | 1.00% | Beats 11% | 142 / 159 | |
| Return on Equity | -2.67% | 0.04% | 2.43% | 6.24% | Beats 14% | 137 / 159 | |
| Net Interest Margin | 3.93% | 2.79% | 3.84% | 4.44% | Beats 55% | 72 / 159 | |
| Efficiency Ratio | 86.88% | 74.21% | 85.84% | 96.50% | Beats 47% | 84 / 158 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 3.86% | 0.42% | 1.27% | 2.96% | Beats 18% | 130 / 158 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 25.50% | 10.80% | 14.61% | 21.35% | Beats 83% | 27 / 159 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 25.50% | 10.80% | 14.61% | 21.35% | Beats 83% | 27 / 159 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 14.91% | 27.85% | 44.27% | 75.14% | 9th pctl | 144 / 159 | |
| Loans / Assets | 10.96% | 22.38% | 35.34% | 62.74% | 9th pctl | 144 / 159 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||