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NJ Gateway

Dayton, NJ · Charter 19454

NCUA · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area3

Basis

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.

Peer group

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.

Peer standing

Capital

19

Q2 2024Q2 2026peer median (50)

Asset Quality

89

Q2 2024Q2 2026peer median (50)

Profitability

57

Q2 2024Q2 2026peer median (50)

Liquidity

3

Q2 2024Q2 2026peer median

Efficiency

59

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

NJ Gateway

Dayton, NJ · Charter 19454

NCUA · 1 branch

Q2 2026

$27.7MAssets
$4.1MLoans
$24.8MShares
$2.8MNet Worth

Executive Summary

  • Earnings: ROA of 0.61%, up 54 bps year over year; NIM at 3.45%.
  • Asset quality: problem loans at 0.01% of loans (+1 bps YoY).
  • Capital: net worth / assets of 10.00%, up 50 bps from a year ago.
  • Funding: loans stand at 16.60% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.61%+54 bps YoY

Net Interest Margin (YTD, annualized)

3.45%+99 bps YoY

Efficiency Ratio (YTD, annualized)

82.82%-1,460 bps YoY

Net Worth / Assets

10.00%+50 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.25%-0.15%0.05%0.07%0.09%0.12%0.45%0.61%+54 bps
Return on Equity-2.61%-1.58%0.58%0.74%0.97%1.22%4.63%6.15%+541 bps
Net Interest Margin2.05%2.11%2.39%2.46%2.60%2.75%3.22%3.45%+99 bps
Efficiency Ratio110.54%107.04%97.93%97.43%96.76%96.07%85.66%82.82%-1,460 bps
Growth
Asset Growth (YoY)-5.20%-5.12%-3.24%0.64%1.22%-0.56%-0.34%-1.11%-175 bps
Loan Growth (YoY)-7.41%-5.06%-6.04%-7.48%-4.35%-10.69%-14.27%-6.06%+142 bps
Share Growth (YoY)-4.59%-5.41%-3.47%0.77%1.26%-0.93%-0.77%-1.91%-268 bps
Asset Quality
Delinquent Loans / Loans0.28%0.00%0.00%0.00%0.00%0.00%0.00%0.01%+1 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.60%9.55%9.45%9.50%9.59%9.72%9.70%10.00%+50 bps
Net Worth / Assets9.60%9.55%9.45%9.50%9.59%9.72%9.70%10.00%+50 bps
Liquidity & Funding
Loans / Shares18.52%18.74%17.73%17.33%17.50%16.90%15.32%16.60%-73 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

NJ Gateway

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

$27.7MAssets
$4.1MLoans
$24.8MShares
$2.8MNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 89% of credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 19 of 158).
  • Widest gap: equity / assets trails 81% of credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 128 of 159).
  • Overall: at or above the peer median on 4 of 7 directional measures.

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

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.61%0.00%0.40%1.00%Beats 60%63 / 159
Return on Equity6.13%0.04%2.43%6.24%Beats 74%41 / 159
Net Interest Margin3.46%2.79%3.84%4.44%Beats 38%99 / 159
Efficiency Ratio82.66%74.21%85.84%96.50%Beats 59%66 / 158
Asset Quality
Nonperforming Loans / Loans0.02%0.42%1.27%2.96%Beats 89%19 / 158
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio10.00%10.80%14.61%21.35%Beats 19%128 / 159
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets10.00%10.80%14.61%21.35%Beats 19%128 / 159
Liquidity & Funding
Loans / Deposits16.60%27.85%44.27%75.14%11th pctl141 / 159
Loans / Assets14.84%22.38%35.34%62.74%14th pctl137 / 159
Brokered Deposits / Depositsn/aNot reported for this institution