Teaneck, NJ · Charter 2021
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
38
Asset Quality
36
Profitability
21
Liquidity
87
Efficiency
16
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.
Teaneck, NJ · Charter 2021
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 | 0.44% | 0.25% | 0.19% | -0.70% | -0.18% | -62 bps | |
| Return on Equity | 3.40% | 1.99% | 1.50% | -5.66% | -1.45% | -485 bps | |
| Net Interest Margin | 2.85% | 2.81% | 2.79% | 2.93% | 2.86% | +2 bps | |
| Efficiency Ratio | 85.80% | 85.76% | 88.25% | 121.68% | 105.21% | +1,942 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.22% | 10.80% | 7.35% | -0.17% | 1.93% | -730 bps | |
| Loan Growth (YoY) | 2.01% | -1.66% | -2.41% | -11.94% | -11.83% | -1,384 bps | |
| Share Growth (YoY) | 9.87% | 11.93% | 8.14% | -0.24% | 1.78% | -809 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 10.16% | 6.04% | 2.55% | 1.66% | 1.99% | -816 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 | 12.82% | 12.68% | 12.51% | 12.44% | 12.35% | -46 bps | |
| Net Worth / Assets | 12.82% | 12.68% | 12.51% | 12.44% | 12.35% | -46 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 46.79% | 45.57% | 44.20% | 41.90% | 40.54% | -626 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Teaneck, NJ · Charter 2021 · 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
-0.18%
Rank 131 of 159
Net Interest Margin
2.87%
Rank 116 of 159
Efficiency Ratio
104.96%
Rank 134 of 158
Equity / Assets
12.35%
Rank 99 of 159
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.18% | 0.00% | 0.40% | 1.00% | Beats 18% | 131 / 159 | |
| Return on Equity | -1.49% | 0.04% | 2.43% | 6.24% | Beats 18% | 130 / 159 | |
| Net Interest Margin | 2.87% | 2.79% | 3.84% | 4.44% | Beats 27% | 116 / 159 | |
| Efficiency Ratio | 104.96% | 74.21% | 85.84% | 96.50% | Beats 16% | 134 / 158 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.99% | 0.42% | 1.27% | 2.96% | Beats 36% | 102 / 158 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 12.35% | 10.80% | 14.61% | 21.35% | Beats 38% | 99 / 159 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 12.35% | 10.80% | 14.61% | 21.35% | Beats 38% | 99 / 159 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 40.54% | 27.85% | 44.27% | 75.14% | 46th pctl | 86 / 159 | |
| Loans / Assets | 35.23% | 22.38% | 35.34% | 62.74% | 49th pctl | 81 / 159 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||