Middlesex County N J Emp North Brunswick, NJ · Charter 18628 · Peer group: credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=161-163)
NCUA · 1 branch
Q3 2025
$7.6M Assets
$1.9M Loans
$6.9M Shares
$769K Net Worth
Executive Summary Strongest standing: net interest margin outperforms 80% of credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 33 of 163). Widest gap: return on equity trails 95% of credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 155 of 163). Overall: at or above the peer median on 2 of 7 directional measures. Return on Assets
-1.26%
Rank 153 of 163
Net Interest Margin
4.89%
Rank 33 of 163
Efficiency Ratio
123.00%
Rank 153 of 162
Equity / Assets
10.07%
Rank 130 of 163
Metric Your Credit Union Peer 25th Peer Median Peer 75th Standing Rank Peer Position Earnings Return on Assets -1.26% 0.04% 0.40% 1.09% Beats 6% 153 / 163 Return on Equity -12.48% 0.29% 2.84% 6.52% Beats 5% 155 / 163 Net Interest Margin 4.89% 2.66% 3.73% 4.50% Beats 80% 33 / 163 Efficiency Ratio 123.00% 69.85% 85.82% 94.90% Beats 6% 153 / 162 Asset Quality Nonperforming Loans / Loans 0.96% 0.45% 1.08% 2.58% Beats 54% 75 / 161 Net Charge-Offs / Loans n/a Not reported for this institution Capital Tier 1 Capital Ratio 10.07% 10.69% 14.85% 21.82% Beats 20% 130 / 163 Total Risk-Based Capital Ratio n/a Not reported for this institution Equity / Assets 10.07% 10.69% 14.85% 21.81% Beats 20% 130 / 163 Liquidity & Funding Loans / Deposits 27.21% 27.62% 49.27% 75.37% 23rd pctl 124 / 162 Loans / Assets 24.47% 23.14% 37.90% 62.96% 28th pctl 117 / 163 Brokered Deposits / Deposits n/a Not reported for this institution
Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Peer statistics computed across credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area; percentile is the share of peers with a lower reported value. Each ratio is ranked only among the institutions that reported it, so the denominator in the Rank column varies by measure (161 to 163 here). Income-statement figures on this page are year-to-date as filed, annualized, because the peer percentiles are computed on that basis. Performance Trends defaults to the discrete quarter, so the same measure can read differently there in any quarter but the first, where year-to-date and the quarter cover the same period. Peer comparisons use ratios standardized identically across all institutions and can differ from as-filed figures. Subchapter S banks are restated to an after-tax equivalent at 21.41%, the median effective tax rate of the 2,782 C-corporation banks filing for this quarter. The rate is recomputed each quarter, and C-corporation figures are unchanged. Peer groups below the disclosure floor are suppressed.
CallReports · callreports.ai · Peer Comparison Generated 2026-10-11