Carteret, NJ · Charter 17969
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
18
Profitability
95
Liquidity
0
Efficiency
97
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.
Carteret, NJ · Charter 17969
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 | 2.08% | 1.66% | 2.19% | 2.53% | 2.42% | 2.42% | 4.10% | 4.15% | +162 bps | |
| Return on Equity | 5.33% | 4.37% | 5.88% | 6.64% | 6.35% | 6.44% | 11.08% | 10.66% | +403 bps | |
| Net Interest Margin | 6.41% | 6.31% | 6.19% | 6.30% | 6.39% | 6.50% | 6.65% | 6.65% | +35 bps | |
| Efficiency Ratio | 57.05% | 59.45% | 53.62% | 54.51% | 52.62% | 55.90% | 39.81% | 38.80% | -1,571 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -12.28% | -4.46% | 6.28% | 6.54% | 6.03% | 5.03% | 6.20% | 3.96% | -258 bps | |
| Loan Growth (YoY) | -1.19% | 7.37% | 12.88% | 8.67% | 16.91% | 20.39% | 21.12% | 24.09% | +1,541 bps | |
| Share Growth (YoY) | -17.24% | -9.37% | 7.71% | 8.00% | 7.41% | 4.70% | 5.73% | 1.92% | -608 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.65% | 2.96% | 2.60% | 2.88% | 2.46% | 2.31% | 4.00% | 3.95% | +107 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 | 6.46% | 6.98% | 7.30% | 7.29% | 7.10% | 6.86% | 6.76% | 6.53% | -76 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 39.03% | 37.91% | 37.32% | 38.08% | 38.06% | 37.54% | 37.04% | 38.90% | +82 bps | |
| Net Worth / Assets | 39.03% | 37.91% | 37.32% | 38.08% | 38.06% | 37.54% | 37.04% | 38.90% | +82 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 123.41% | 123.54% | 119.81% | 123.19% | 134.33% | 142.06% | 137.24% | 149.98% | +2,679 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Carteret, NJ · Charter 17969 · 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
4.24%
Rank 2 of 159
Net Interest Margin
6.57%
Rank 7 of 159
Efficiency Ratio
37.50%
Rank 6 of 158
Equity / Assets
38.92%
Rank 9 of 159
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 4.24% | 0.00% | 0.40% | 1.00% | Beats 99% | 2 / 159 | ||
| Return on Equity | 10.90% | 0.04% | 2.43% | 6.24% | Beats 90% | 16 / 159 | ||
| Net Interest Margin | 6.57% | 2.79% | 3.84% | 4.44% | Beats 96% | 7 / 159 | ||
| Efficiency Ratio | 37.50% | 74.21% | 85.84% | 96.50% | Beats 97% | 6 / 158 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 3.97% | 0.42% | 1.27% | 2.96% | Beats 18% | 131 / 158 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 38.92% | 10.80% | 14.61% | 21.35% | Beats 94% | 9 / 159 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 38.92% | 10.80% | 14.61% | 21.35% | Beats 94% | 9 / 159 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 149.91% | 27.85% | 44.27% | 75.14% | 99th pctl | 1 / 159 | ||
| Loans / Assets | 90.77% | 22.38% | 35.34% | 62.74% | 99th pctl | 2 / 159 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||