Newark, NJ · Charter 20773
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
65
Asset Quality
82
Profitability
58
Liquidity
90
Efficiency
41
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.
Newark, NJ · Charter 20773
NCUA · 1 branch
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 | 1.58% | 1.54% | 0.80% | 1.00% | 1.14% | 0.64% | 0.76% | 0.82% | -18 bps | |
| Return on Equity | 9.22% | 8.57% | 4.58% | 5.69% | 6.24% | 3.47% | 4.24% | 4.56% | -112 bps | |
| Net Interest Margin | 4.04% | 4.20% | 4.00% | 3.83% | 4.01% | 4.04% | 3.71% | 3.63% | -20 bps | |
| Efficiency Ratio | 71.01% | 71.50% | 81.45% | 81.69% | 81.06% | 84.48% | 81.28% | 88.92% | +723 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.74% | 3.67% | 5.03% | 4.85% | -0.19% | 1.31% | 1.31% | 1.02% | -383 bps | |
| Loan Growth (YoY) | 4.65% | -0.44% | -5.35% | -2.25% | 6.00% | 3.20% | 1.29% | 0.70% | +296 bps | |
| Share Growth (YoY) | -0.07% | 2.73% | 4.58% | 3.92% | -1.01% | 0.96% | 1.03% | 0.60% | -332 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.42% | 0.64% | 0.25% | 0.58% | 0.18% | 0.13% | 0.27% | +2 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 | 17.14% | 18.02% | 17.55% | 17.57% | 18.30% | 18.38% | 17.89% | 17.87% | +30 bps | |
| Net Worth / Assets | 17.14% | 18.02% | 17.55% | 17.57% | 18.30% | 18.38% | 17.89% | 17.87% | +30 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 51.75% | 52.40% | 48.94% | 49.03% | 55.42% | 53.57% | 49.07% | 49.08% | +5 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Newark, NJ · Charter 20773 · 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
0.82%
Rank 51 of 159
Net Interest Margin
3.63%
Rank 91 of 159
Efficiency Ratio
89.25%
Rank 95 of 158
Equity / Assets
17.87%
Rank 55 of 159
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.82% | 0.00% | 0.40% | 1.00% | Beats 68% | 51 / 159 | ||
| Return on Equity | 4.60% | 0.04% | 2.43% | 6.24% | Beats 64% | 57 / 159 | ||
| Net Interest Margin | 3.63% | 2.79% | 3.84% | 4.44% | Beats 43% | 91 / 159 | ||
| Efficiency Ratio | 89.25% | 74.21% | 85.84% | 96.50% | Beats 41% | 95 / 158 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.27% | 0.42% | 1.27% | 2.96% | Beats 82% | 30 / 158 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 17.87% | 10.80% | 14.61% | 21.35% | Beats 65% | 55 / 159 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 17.87% | 10.80% | 14.61% | 21.35% | Beats 65% | 55 / 159 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 49.08% | 27.85% | 44.27% | 75.14% | 53rd pctl | 74 / 159 | ||
| Loans / Assets | 39.96% | 22.38% | 35.34% | 62.74% | 54th pctl | 73 / 159 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||