Jersey City, NJ · Charter 23678
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
76
Asset Quality
66
Profitability
55
Liquidity
0
Efficiency
96
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.
Jersey City, NJ · Charter 23678
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 | 1.28% | 1.08% | 0.91% | 1.45% | 1.23% | -5 bps | |
| Return on Equity | 6.03% | 5.00% | 4.13% | 6.53% | 5.48% | -54 bps | |
| Net Interest Margin | 2.01% | 1.96% | 2.03% | 2.24% | 2.13% | +13 bps | |
| Efficiency Ratio | 37.22% | 45.69% | 46.89% | 35.79% | 42.99% | +578 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.58% | -2.21% | -3.69% | -3.72% | -1.64% | +494 bps | |
| Loan Growth (YoY) | -12.35% | -5.06% | 9.26% | 8.25% | 21.97% | +3,432 bps | |
| Share Growth (YoY) | -8.98% | -3.60% | -5.53% | -5.81% | -3.16% | +581 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.33% | 1.65% | 0.00% | 0.04% | 0.86% | -47 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.64% | 2.48% | 0.00% | 0.00% | 0.00% | -264 bps | |
| Capital | |||||||
| Risk-Based Capital | 21.25% | 21.64% | 22.12% | 22.24% | 22.45% | +119 bps | |
| Net Worth / Assets | 21.25% | 21.64% | 22.12% | 22.24% | 22.45% | +119 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 10.89% | 11.78% | 12.13% | 12.68% | 13.71% | +283 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Jersey City, NJ · Charter 23678 · 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
1.23%
Rank 28 of 159
Net Interest Margin
2.14%
Rank 141 of 159
Efficiency Ratio
42.98%
Rank 8 of 158
Equity / Assets
22.45%
Rank 38 of 159
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.23% | 0.00% | 0.40% | 1.00% | Beats 82% | 28 / 159 | |
| Return on Equity | 5.48% | 0.04% | 2.43% | 6.24% | Beats 72% | 45 / 159 | |
| Net Interest Margin | 2.14% | 2.79% | 3.84% | 4.44% | Beats 11% | 141 / 159 | |
| Efficiency Ratio | 42.98% | 74.21% | 85.84% | 96.50% | Beats 96% | 8 / 158 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.84% | 0.42% | 1.27% | 2.96% | Beats 66% | 55 / 158 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 22.45% | 10.80% | 14.61% | 21.35% | Beats 76% | 38 / 159 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 22.45% | 10.80% | 14.61% | 21.35% | Beats 76% | 38 / 159 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 13.71% | 27.85% | 44.27% | 75.14% | 8th pctl | 146 / 159 | |
| Loans / Assets | 10.64% | 22.38% | 35.34% | 62.74% | 8th pctl | 146 / 159 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||