Maple Shade, NJ · Charter 2141
NCUA · 6 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 Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=50 to 51). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
55
Asset Quality
38
Profitability
27
Liquidity
88
Efficiency
38
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.
Maple Shade, NJ · Charter 2141
NCUA · 6 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 | 0.28% | 0.12% | 0.15% | 0.04% | -0.08% | -36 bps | |
| Return on Equity | 2.00% | 0.81% | 1.03% | 0.31% | -0.57% | -257 bps | |
| Net Interest Margin | 2.79% | 2.94% | 2.95% | 3.15% | 3.32% | +54 bps | |
| Efficiency Ratio | 84.33% | 89.67% | 88.89% | 89.21% | 85.08% | +75 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.09% | -1.53% | -2.21% | -3.74% | -3.17% | -208 bps | |
| Loan Growth (YoY) | -4.23% | -5.18% | -4.50% | -5.45% | -11.69% | -746 bps | |
| Share Growth (YoY) | -1.69% | -2.27% | -3.16% | -4.46% | -3.64% | -195 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.81% | 0.72% | 1.06% | 1.01% | 1.36% | +55 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 | 13.86% | 14.33% | 14.27% | 14.11% | 14.27% | +42 bps | |
| Net Worth / Assets | 13.86% | 14.33% | 14.27% | 14.11% | 14.27% | +42 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 49.95% | 51.51% | 50.38% | 48.33% | 45.78% | -417 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Maple Shade, NJ · Charter 2141 · Peer group: credit unions under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=50-51)
NCUA · 6 branches
Q2 2026
Return on Assets
-0.08%
Rank 42 of 51
Net Interest Margin
3.32%
Rank 29 of 51
Efficiency Ratio
85.10%
Rank 32 of 50
Equity / Assets
14.27%
Rank 23 of 51
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.08% | -0.05% | 0.48% | 0.90% | Beats 18% | 42 / 51 | |
| Return on Equity | -0.58% | -0.58% | 4.00% | 6.90% | Beats 20% | 41 / 51 | |
| Net Interest Margin | 3.32% | 2.96% | 3.44% | 3.98% | Beats 43% | 29 / 51 | |
| Efficiency Ratio | 85.10% | 73.91% | 81.87% | 94.16% | Beats 38% | 32 / 50 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.36% | 0.19% | 0.96% | 1.83% | Beats 38% | 32 / 50 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 14.27% | 10.44% | 12.55% | 18.48% | Beats 55% | 23 / 51 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 14.27% | 10.44% | 12.55% | 18.48% | Beats 55% | 23 / 51 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 45.78% | 28.84% | 50.95% | 65.41% | 43rd pctl | 29 / 51 | |
| Loans / Assets | 39.11% | 20.51% | 39.58% | 57.94% | 47th pctl | 27 / 51 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||