Dayton, NJ · Charter 19454
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
19
Asset Quality
89
Profitability
57
Liquidity
3
Efficiency
59
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.
Dayton, NJ · Charter 19454
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 | 0.07% | 0.09% | 0.12% | 0.45% | 0.61% | +54 bps | |
| Return on Equity | 0.74% | 0.97% | 1.22% | 4.63% | 6.15% | +541 bps | |
| Net Interest Margin | 2.46% | 2.60% | 2.75% | 3.22% | 3.45% | +99 bps | |
| Efficiency Ratio | 97.43% | 96.76% | 96.07% | 85.66% | 82.82% | -1,460 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.64% | 1.22% | -0.56% | -0.34% | -1.11% | -175 bps | |
| Loan Growth (YoY) | -7.48% | -4.35% | -10.69% | -14.27% | -6.06% | +142 bps | |
| Share Growth (YoY) | 0.77% | 1.26% | -0.93% | -0.77% | -1.91% | -268 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | +1 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 | 9.50% | 9.59% | 9.72% | 9.70% | 10.00% | +50 bps | |
| Net Worth / Assets | 9.50% | 9.59% | 9.72% | 9.70% | 10.00% | +50 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 17.33% | 17.50% | 16.90% | 15.32% | 16.60% | -73 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Dayton, NJ · Charter 19454 · 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
0.61%
Rank 63 of 159
Net Interest Margin
3.46%
Rank 99 of 159
Efficiency Ratio
82.66%
Rank 66 of 158
Equity / Assets
10.00%
Rank 128 of 159
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.61% | 0.00% | 0.40% | 1.00% | Beats 60% | 63 / 159 | |
| Return on Equity | 6.13% | 0.04% | 2.43% | 6.24% | Beats 74% | 41 / 159 | |
| Net Interest Margin | 3.46% | 2.79% | 3.84% | 4.44% | Beats 38% | 99 / 159 | |
| Efficiency Ratio | 82.66% | 74.21% | 85.84% | 96.50% | Beats 59% | 66 / 158 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.02% | 0.42% | 1.27% | 2.96% | Beats 89% | 19 / 158 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.00% | 10.80% | 14.61% | 21.35% | Beats 19% | 128 / 159 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.00% | 10.80% | 14.61% | 21.35% | Beats 19% | 128 / 159 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 16.60% | 27.85% | 44.27% | 75.14% | 11th pctl | 141 / 159 | |
| Loans / Assets | 14.84% | 22.38% | 35.34% | 62.74% | 14th pctl | 137 / 159 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||