Princeton, NJ · Charter 21009
NCUA · 2 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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
20
Asset Quality
35
Profitability
31
Liquidity
71
Efficiency
29
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.
Princeton, NJ · Charter 21009
NCUA · 2 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 | -0.02% | 0.03% | -0.11% | 0.03% | 0.01% | 0.05% | 0.04% | 0.21% | +18 bps | |
| Return on Equity | -0.21% | 0.35% | -1.13% | 0.33% | 0.10% | 0.50% | 0.41% | 2.14% | +181 bps | |
| Net Interest Margin | 3.10% | 3.14% | 3.20% | 3.20% | 3.38% | 3.42% | 3.90% | 3.87% | +68 bps | |
| Efficiency Ratio | 97.09% | 95.44% | 101.08% | 97.35% | 96.71% | 95.98% | 91.41% | 85.11% | -1,223 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.07% | 1.49% | -2.32% | 7.15% | 0.10% | 0.46% | -1.12% | -4.39% | -1,154 bps | |
| Loan Growth (YoY) | 19.44% | 19.41% | 19.57% | 15.54% | 12.00% | 8.90% | 5.76% | -5.36% | -2,090 bps | |
| Share Growth (YoY) | 3.86% | 8.01% | 5.92% | 7.82% | 6.86% | 3.73% | 1.89% | -0.58% | -840 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.67% | 0.29% | 0.18% | 0.25% | 0.40% | 0.57% | 0.71% | 0.95% | +70 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 | 9.76% | 9.74% | 9.64% | 9.45% | 9.80% | 9.74% | 9.83% | 10.02% | +57 bps | |
| Net Worth / Assets | 9.76% | 9.74% | 9.64% | 9.45% | 9.80% | 9.74% | 9.83% | 10.02% | +57 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.21% | 75.01% | 75.43% | 79.88% | 79.88% | 78.74% | 78.29% | 76.03% | -384 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Princeton, NJ · Charter 21009 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
0.22%
Rank 1,376 of 1,683
Net Interest Margin
3.87%
Rank 794 of 1,683
Efficiency Ratio
85.13%
Rank 1,191 of 1,682
Equity / Assets
10.02%
Rank 1,340 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.22% | 0.35% | 0.74% | 1.18% | Beats 18% | 1,376 / 1,683 | ||
| Return on Equity | 2.15% | 2.67% | 5.89% | 8.74% | Beats 21% | 1,329 / 1,681 | ||
| Net Interest Margin | 3.87% | 3.31% | 3.82% | 4.32% | Beats 53% | 794 / 1,683 | ||
| Efficiency Ratio | 85.13% | 68.91% | 78.20% | 86.93% | Beats 29% | 1,191 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.95% | 0.26% | 0.65% | 1.29% | Beats 35% | 1,089 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.02% | 10.44% | 12.89% | 16.53% | Beats 20% | 1,340 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.02% | 10.44% | 12.89% | 16.53% | Beats 20% | 1,340 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 76.03% | 52.61% | 69.38% | 83.50% | 62nd pctl | 641 / 1,683 | ||
| Loans / Assets | 68.22% | 44.71% | 59.18% | 70.72% | 69th pctl | 514 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||