Sayreville, NJ · Charter 2246
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 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
18
Asset Quality
13
Profitability
38
Liquidity
79
Efficiency
16
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.
Sayreville, NJ · Charter 2246
NCUA · 1 branch
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 | 0.24% | 0.26% | 0.21% | -0.29% | -0.21% | -45 bps | |
| Return on Equity | 2.45% | 2.40% | 2.00% | -2.91% | -2.15% | -460 bps | |
| Net Interest Margin | 4.58% | 4.98% | 4.73% | 4.52% | 4.58% | -1 bps | |
| Efficiency Ratio | 95.18% | 94.32% | 95.31% | 105.94% | 104.28% | +910 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -9.46% | -11.93% | -6.15% | -3.42% | -0.63% | +882 bps | |
| Loan Growth (YoY) | -9.09% | -9.79% | -6.31% | -13.32% | -21.26% | -1,217 bps | |
| Share Growth (YoY) | -10.70% | -13.43% | -6.94% | -3.82% | -0.63% | +1,007 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.83% | 2.89% | 3.06% | 3.17% | 4.63% | +380 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.15% | 0.91% | 0.99% | 1.16% | 1.10% | -5 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.77% | 10.69% | 10.32% | 10.01% | 9.80% | +3 bps | |
| Net Worth / Assets | 9.77% | 10.69% | 10.32% | 10.01% | 9.80% | +3 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 48.28% | 51.60% | 47.12% | 42.24% | 38.26% | -1,002 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Sayreville, NJ · Charter 2246 · 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
Return on Assets
-0.22%
Rank 132 of 159
Net Interest Margin
4.60%
Rank 31 of 159
Efficiency Ratio
104.48%
Rank 133 of 158
Equity / Assets
9.80%
Rank 130 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 17% | 132 / 159 | |
| Return on Equity | -2.25% | 0.04% | 2.43% | 6.24% | Beats 16% | 134 / 159 | |
| Net Interest Margin | 4.60% | 2.79% | 3.84% | 4.44% | Beats 81% | 31 / 159 | |
| Efficiency Ratio | 104.48% | 74.21% | 85.84% | 96.50% | Beats 16% | 133 / 158 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 4.64% | 0.42% | 1.27% | 2.96% | Beats 13% | 139 / 158 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.80% | 10.80% | 14.61% | 21.35% | Beats 18% | 130 / 159 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.80% | 10.80% | 14.61% | 21.35% | Beats 18% | 130 / 159 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 38.26% | 27.85% | 44.27% | 75.14% | 42nd pctl | 92 / 159 | |
| Loans / Assets | 34.50% | 22.38% | 35.34% | 62.74% | 47th pctl | 85 / 159 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||