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
$20.0M Assets
$6.6M Loans
$14.7M Shares
$5.3M Net 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
Metric Your Credit Union Peer 25th Peer Median Peer 75th Standing Rank Peer 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 Margin 3.32% 2.79% 3.84% 4.44% Beats 35% 104 / 159 Efficiency Ratio 112.40% 74.21% 85.84% 96.50% Beats 10% 143 / 158 Asset Quality Nonperforming Loans / Loans 0.90% 0.42% 1.27% 2.96% Beats 62% 61 / 158 Net Charge-Offs / Loans n/a Not reported for this institution Capital Tier 1 Capital Ratio 26.55% 10.80% 14.61% 21.35% Beats 86% 23 / 159 Total Risk-Based Capital Ratio n/a Not reported for this institution Equity / Assets 26.55% 10.80% 14.61% 21.35% Beats 86% 23 / 159 Liquidity & Funding Loans / Deposits 44.62% 27.85% 44.27% 75.14% 51st pctl 78 / 159 Loans / Assets 32.76% 22.38% 35.34% 62.74% 43rd pctl 91 / 159 Brokered Deposits / Deposits n/a Not reported for this institution
Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Peer statistics computed across credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area; percentile is the share of peers with a lower reported value. Each ratio is ranked only among the institutions that reported it, so the denominator in the Rank column varies by measure (158 to 159 here). Income-statement figures on this page are year-to-date as filed, annualized, because the peer percentiles are computed on that basis. Performance Trends defaults to the discrete quarter, so the same measure can read differently there in any quarter but the first, where year-to-date and the quarter cover the same period. Peer comparisons use ratios standardized identically across all institutions and can differ from as-filed figures. Subchapter S banks are restated to an after-tax equivalent at 21.50%, the median effective tax rate of the 2,758 C-corporation banks filing for this quarter. The rate is recomputed each quarter, and C-corporation figures are unchanged. Peer groups below the disclosure floor are suppressed.
CallReports · callreports.ai · Peer Comparison Generated 2026-10-10