Perth Amboy, NJ · Charter 16577
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 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
3
Asset Quality
25
Profitability
58
Liquidity
3
Efficiency
62
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.
Perth Amboy, NJ · Charter 16577
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 | -0.51% | -0.44% | 0.64% | 0.40% | 0.40% | 0.38% | 0.52% | 0.53% | +13 bps | |
| Return on Equity | -7.27% | -6.46% | 9.36% | 5.99% | 5.99% | 5.56% | 7.76% | 7.74% | +175 bps | |
| Net Interest Margin | 2.60% | 2.67% | 3.12% | 3.12% | 3.18% | 3.25% | 3.43% | 3.51% | +40 bps | |
| Efficiency Ratio | 108.99% | 106.56% | 81.34% | 85.78% | 85.88% | 85.76% | 82.63% | 81.52% | -426 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.96% | 9.55% | 10.08% | 11.81% | 7.60% | 7.13% | 7.07% | 4.58% | -722 bps | |
| Loan Growth (YoY) | 13.97% | 15.88% | 16.38% | 19.56% | 14.36% | 14.37% | 9.04% | 6.64% | -1,293 bps | |
| Share Growth (YoY) | 22.05% | 11.31% | 10.46% | 10.93% | 7.04% | 6.79% | 7.95% | 6.32% | -461 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.60% | 0.54% | 0.50% | 0.83% | 2.19% | 1.18% | 1.32% | 2.96% | +213 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 | 7.00% | 6.85% | 6.79% | 6.70% | 6.75% | 6.77% | 6.69% | 6.85% | +15 bps | |
| Net Worth / Assets | 7.00% | 6.85% | 6.79% | 6.70% | 6.75% | 6.77% | 6.69% | 6.85% | +15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.83% | 86.48% | 88.15% | 90.72% | 90.63% | 92.62% | 89.03% | 90.99% | +27 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Perth Amboy, NJ · Charter 16577 · Peer group: credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=158-159)
NCUA · 3 branches
Q2 2026
Return on Assets
0.53%
Rank 70 of 159
Net Interest Margin
3.51%
Rank 97 of 159
Efficiency Ratio
81.51%
Rank 61 of 158
Equity / Assets
6.85%
Rank 154 of 159
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.53% | 0.00% | 0.40% | 1.00% | Beats 56% | 70 / 159 | ||
| Return on Equity | 7.75% | 0.04% | 2.43% | 6.24% | Beats 80% | 32 / 159 | ||
| Net Interest Margin | 3.51% | 2.79% | 3.84% | 4.44% | Beats 39% | 97 / 159 | ||
| Efficiency Ratio | 81.51% | 74.21% | 85.84% | 96.50% | Beats 62% | 61 / 158 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.96% | 0.42% | 1.27% | 2.96% | Beats 25% | 119 / 158 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 6.85% | 10.80% | 14.61% | 21.35% | Beats 3% | 154 / 159 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 6.85% | 10.80% | 14.61% | 21.35% | Beats 3% | 154 / 159 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 90.99% | 27.85% | 44.27% | 75.14% | 87th pctl | 20 / 159 | ||
| Loans / Assets | 83.79% | 22.38% | 35.34% | 62.74% | 96th pctl | 6 / 159 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||