Elizabeth, NJ · Charter 19185
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
42
Asset Quality
74
Profitability
33
Liquidity
80
Efficiency
28
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.
Elizabeth, NJ · Charter 19185
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 | 1.18% | 1.15% | 0.31% | 0.49% | 0.51% | 0.43% | 0.02% | 0.14% | -36 bps | |
| Return on Equity | 8.27% | 8.07% | 2.24% | 3.61% | 3.63% | 3.16% | 0.18% | 1.03% | -258 bps | |
| Net Interest Margin | 3.24% | 3.21% | 3.20% | 3.18% | 3.31% | 3.19% | 3.30% | 3.35% | +17 bps | |
| Efficiency Ratio | 73.68% | 74.05% | 89.30% | 86.33% | 86.48% | 87.45% | 97.75% | 95.37% | +904 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.59% | 10.90% | 4.55% | 10.82% | 6.83% | 9.00% | 8.06% | 5.53% | -529 bps | |
| Loan Growth (YoY) | -6.77% | -5.77% | -10.26% | -6.39% | -1.03% | 4.13% | 13.22% | 16.48% | +2,287 bps | |
| Share Growth (YoY) | 5.82% | 6.25% | 5.29% | 12.70% | 8.43% | 10.90% | 9.82% | 6.93% | -577 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.56% | 1.56% | 0.66% | 0.74% | 0.88% | 0.36% | 0.75% | 0.50% | -24 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 | 14.25% | 14.24% | 13.90% | 13.59% | 13.98% | 13.49% | 13.21% | 13.12% | -47 bps | |
| Net Worth / Assets | 14.25% | 14.24% | 13.90% | 13.59% | 13.98% | 13.49% | 13.21% | 13.12% | -47 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 57.57% | 55.16% | 50.17% | 49.57% | 52.55% | 51.79% | 51.73% | 53.99% | +443 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Elizabeth, NJ · Charter 19185 · 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
0.14%
Rank 108 of 159
Net Interest Margin
3.35%
Rank 103 of 159
Efficiency Ratio
95.41%
Rank 115 of 158
Equity / Assets
13.12%
Rank 93 of 159
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.14% | 0.00% | 0.40% | 1.00% | Beats 32% | 108 / 159 | ||
| Return on Equity | 1.03% | 0.04% | 2.43% | 6.24% | Beats 33% | 107 / 159 | ||
| Net Interest Margin | 3.35% | 2.79% | 3.84% | 4.44% | Beats 35% | 103 / 159 | ||
| Efficiency Ratio | 95.41% | 74.21% | 85.84% | 96.50% | Beats 28% | 115 / 158 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.50% | 0.42% | 1.27% | 2.96% | Beats 74% | 42 / 158 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.12% | 10.80% | 14.61% | 21.35% | Beats 42% | 93 / 159 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.12% | 10.80% | 14.61% | 21.35% | Beats 42% | 93 / 159 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 53.99% | 27.85% | 44.27% | 75.14% | 58th pctl | 67 / 159 | ||
| Loans / Assets | 46.70% | 22.38% | 35.34% | 62.74% | 60th pctl | 64 / 159 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||