Parsippany, NJ · Charter 21244
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 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
41
Asset Quality
65
Profitability
48
Liquidity
65
Efficiency
27
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.
Parsippany, NJ · Charter 21244
NCUA · 2 branches
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 | -0.03% | 0.01% | 0.05% | -0.23% | 0.22% | +25 bps | |
| Return on Equity | -0.26% | 0.05% | 0.39% | -1.79% | 1.69% | +196 bps | |
| Net Interest Margin | 3.92% | 3.96% | 4.04% | 3.84% | 4.15% | +23 bps | |
| Efficiency Ratio | 100.72% | 99.87% | 98.94% | 104.99% | 95.59% | -514 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.64% | 0.30% | 0.58% | 0.41% | 2.31% | +295 bps | |
| Loan Growth (YoY) | -1.76% | -2.23% | -1.29% | 13.88% | 23.83% | +2,558 bps | |
| Share Growth (YoY) | -1.45% | -0.74% | 0.22% | -0.76% | 1.54% | +300 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.47% | 1.47% | 1.09% | 1.05% | 0.84% | -63 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 | 12.89% | 12.85% | 12.96% | 12.86% | 12.78% | -12 bps | |
| Net Worth / Assets | 12.89% | 12.85% | 12.96% | 12.86% | 12.78% | -12 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 49.97% | 49.58% | 50.32% | 57.54% | 60.93% | +1,096 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Parsippany, NJ · Charter 21244 · Peer group: credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=158-159)
NCUA · 2 branches
Q2 2026
Return on Assets
0.22%
Rank 99 of 159
Net Interest Margin
4.15%
Rank 56 of 159
Efficiency Ratio
95.63%
Rank 117 of 158
Equity / Assets
12.78%
Rank 94 of 159
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.22% | 0.00% | 0.40% | 1.00% | Beats 38% | 99 / 159 | |
| Return on Equity | 1.70% | 0.04% | 2.43% | 6.24% | Beats 41% | 94 / 159 | |
| Net Interest Margin | 4.15% | 2.79% | 3.84% | 4.44% | Beats 65% | 56 / 159 | |
| Efficiency Ratio | 95.63% | 74.21% | 85.84% | 96.50% | Beats 27% | 117 / 158 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.84% | 0.42% | 1.27% | 2.96% | Beats 65% | 57 / 158 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 12.78% | 10.80% | 14.61% | 21.35% | Beats 41% | 94 / 159 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 12.78% | 10.80% | 14.61% | 21.35% | Beats 41% | 94 / 159 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 60.93% | 27.85% | 44.27% | 75.14% | 63rd pctl | 59 / 159 | |
| Loans / Assets | 50.88% | 22.38% | 35.34% | 62.74% | 64th pctl | 57 / 159 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||