Lyons, NJ · Charter 22028
NCUA · 1 branch
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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
79
Asset Quality
26
Profitability
9
Liquidity
0
Efficiency
31
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.
Lyons, NJ · Charter 22028
NCUA · 1 branch
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.90% | -0.87% | -3.08% | -2.00% | -1.54% | -1.21% | -0.64% | -0.15% | +185 bps | |
| Return on Equity | -4.88% | -4.70% | -17.04% | -11.23% | -8.98% | -7.15% | -3.84% | -0.85% | +1,039 bps | |
| Net Interest Margin | 1.89% | 1.87% | 1.95% | 2.10% | 2.11% | 2.29% | 2.54% | 2.82% | +73 bps | |
| Efficiency Ratio | 129.80% | 132.92% | 126.94% | 120.29% | 121.59% | 113.21% | 88.79% | 84.53% | -3,576 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.22% | -1.50% | -4.43% | -3.54% | -2.49% | -1.66% | 1.36% | -3.12% | +42 bps | |
| Loan Growth (YoY) | -5.60% | -5.48% | -10.48% | -8.55% | -7.88% | -9.24% | -8.79% | -11.01% | -245 bps | |
| Share Growth (YoY) | -13.40% | -4.77% | -6.31% | -5.37% | -1.94% | -2.09% | 0.76% | -3.96% | +142 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.76% | 5.42% | 2.90% | 2.16% | 2.88% | 1.16% | 0.44% | 1.25% | -91 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.39% | 18.47% | 18.08% | 17.77% | 17.14% | 16.94% | 16.69% | 17.57% | -20 bps | |
| Net Worth / Assets | 18.39% | 18.47% | 18.08% | 17.77% | 17.14% | 16.94% | 16.69% | 17.57% | -20 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 24.30% | 24.15% | 22.71% | 23.41% | 22.83% | 22.39% | 20.56% | 21.69% | -172 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Lyons, NJ · Charter 22028 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
-0.15%
Rank 1,524 of 1,683
Net Interest Margin
2.82%
Rank 1,536 of 1,683
Efficiency Ratio
84.52%
Rank 1,166 of 1,682
Equity / Assets
17.57%
Rank 356 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.15% | 0.35% | 0.74% | 1.18% | Beats 9% | 1,524 / 1,683 | ||
| Return on Equity | -0.86% | 2.67% | 5.89% | 8.74% | Beats 10% | 1,517 / 1,681 | ||
| Net Interest Margin | 2.82% | 3.31% | 3.82% | 4.32% | Beats 9% | 1,536 / 1,683 | ||
| Efficiency Ratio | 84.52% | 68.91% | 78.20% | 86.93% | Beats 31% | 1,166 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.24% | 0.26% | 0.65% | 1.29% | Beats 26% | 1,244 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 17.57% | 10.44% | 12.89% | 16.53% | Beats 79% | 356 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 17.57% | 10.44% | 12.89% | 16.53% | Beats 79% | 356 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 21.69% | 52.61% | 69.38% | 83.50% | 2nd pctl | 1,644 / 1,683 | ||
| Loans / Assets | 18.25% | 44.71% | 59.18% | 70.72% | 2nd pctl | 1,643 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||