Summit, NJ · Charter 21737
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
23
Asset Quality
12
Profitability
42
Liquidity
77
Efficiency
52
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.
Summit, NJ · Charter 21737
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 | 0.68% | 0.30% | 0.16% | 0.28% | -0.04% | -72 bps | |
| Return on Equity | 6.68% | 2.93% | 1.48% | 2.70% | -0.42% | -710 bps | |
| Net Interest Margin | 4.30% | 4.37% | 4.61% | 4.93% | 5.10% | +80 bps | |
| Efficiency Ratio | 82.38% | 87.86% | 87.07% | 87.53% | 85.51% | +312 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.85% | -2.11% | -7.65% | -7.07% | -7.36% | -821 bps | |
| Loan Growth (YoY) | -9.59% | -12.93% | -14.62% | -14.78% | -21.05% | -1,146 bps | |
| Share Growth (YoY) | 0.76% | -2.47% | -8.83% | -7.85% | -8.58% | -934 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.04% | 4.19% | 4.45% | 3.07% | 4.85% | +181 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 | 10.15% | 10.28% | 10.94% | 10.55% | 10.73% | +58 bps | |
| Net Worth / Assets | 10.15% | 10.28% | 10.94% | 10.55% | 10.73% | +58 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 43.71% | 42.56% | 44.32% | 40.12% | 37.75% | -596 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Summit, NJ · Charter 21737 · 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
-0.04%
Rank 124 of 159
Net Interest Margin
5.10%
Rank 25 of 159
Efficiency Ratio
85.45%
Rank 77 of 158
Equity / Assets
10.73%
Rank 122 of 159
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.04% | 0.00% | 0.40% | 1.00% | Beats 22% | 124 / 159 | |
| Return on Equity | -0.40% | 0.04% | 2.43% | 6.24% | Beats 21% | 125 / 159 | |
| Net Interest Margin | 5.10% | 2.79% | 3.84% | 4.44% | Beats 84% | 25 / 159 | |
| Efficiency Ratio | 85.45% | 74.21% | 85.84% | 96.50% | Beats 52% | 77 / 158 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 4.86% | 0.42% | 1.27% | 2.96% | Beats 12% | 140 / 158 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.73% | 10.80% | 14.61% | 21.35% | Beats 23% | 122 / 159 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.73% | 10.80% | 14.61% | 21.35% | Beats 23% | 122 / 159 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 37.74% | 27.85% | 44.27% | 75.14% | 42nd pctl | 93 / 159 | |
| Loans / Assets | 33.33% | 22.38% | 35.34% | 62.74% | 45th pctl | 88 / 159 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||