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L'Oreal USA

Mountainside, NJ · Charter 21109

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

86

Q2 2024Q2 2026peer median (50)

Asset Quality

62

Q2 2024Q2 2026peer median (50)

Profitability

22

Q2 2024Q2 2026peer median (50)

Liquidity

99

Q2 2024Q2 2026peer median

Efficiency

10

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 2026-10-10

L'Oreal USA

Mountainside, NJ · Charter 21109

NCUA · 1 branch

Q2 2026

$20.0MAssets
$6.6MLoans
$14.7MShares
$5.3MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -0.47%, down 21 bps year over year; NIM at 3.32%.
  • Asset quality: problem loans at 0.90% of loans (-70 bps YoY).
  • Capital: net worth / assets of 26.55%, up 147 bps from a year ago.
  • Funding: loans stand at 44.62% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.47%-21 bps YoY

Net Interest Margin (YTD, annualized)

3.32%+20 bps YoY

Efficiency Ratio (YTD, annualized)

112.44%+517 bps YoY

Net Worth / Assets

26.55%+147 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.26%-0.26%-0.30%-0.46%-0.47%-21 bps
Return on Equity-1.05%-1.01%-1.17%-1.83%-1.77%-72 bps
Net Interest Margin3.12%3.23%3.32%3.15%3.32%+20 bps
Efficiency Ratio107.28%107.01%104.10%112.92%112.44%+517 bps
Growth
Asset Growth (YoY)-5.30%-0.61%-2.15%-4.39%-6.91%-161 bps
Loan Growth (YoY)-12.62%-12.06%-9.83%-10.94%-14.26%-164 bps
Share Growth (YoY)-7.93%-2.16%-2.58%-5.91%-6.37%+157 bps
Asset Quality
Delinquent Loans / Loans1.60%1.32%0.48%0.60%0.90%-70 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital25.08%25.89%25.87%25.38%26.55%+147 bps
Net Worth / Assets25.08%25.89%25.87%25.38%26.55%+147 bps
Liquidity & Funding
Loans / Shares48.73%48.56%46.96%44.03%44.62%-411 bps
Liquid Assets / Assets0.00%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 2026-10-10

L'Oreal USA

Mountainside, NJ · Charter 21109 · 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

$20.0MAssets
$6.6MLoans
$14.7MShares
$5.3MNet Worth

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 86% of credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 23 of 159).
  • Widest gap: efficiency ratio trails 90% of credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 143 of 158).
  • Overall: at or above the peer median on 3 of 7 directional measures.

Return on Assets

-0.47%

Rank 138 of 159

Net Interest Margin

3.32%

Rank 104 of 159

Efficiency Ratio

112.40%

Rank 143 of 158

Equity / Assets

26.55%

Rank 23 of 159

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-0.47%0.00%0.40%1.00%Beats 13%138 / 159
Return on Equity-1.77%0.04%2.43%6.24%Beats 18%131 / 159
Net Interest Margin3.32%2.79%3.84%4.44%Beats 35%104 / 159
Efficiency Ratio112.40%74.21%85.84%96.50%Beats 10%143 / 158
Asset Quality
Nonperforming Loans / Loans0.90%0.42%1.27%2.96%Beats 62%61 / 158
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio26.55%10.80%14.61%21.35%Beats 86%23 / 159
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets26.55%10.80%14.61%21.35%Beats 86%23 / 159
Liquidity & Funding
Loans / Deposits44.62%27.85%44.27%75.14%51st pctl78 / 159
Loans / Assets32.76%22.38%35.34%62.74%43rd pctl91 / 159
Brokered Deposits / Depositsn/aNot reported for this institution