Springfield, NJ · Charter 23807
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
35
Asset Quality
83
Profitability
66
Liquidity
22
Efficiency
30
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.
Springfield, NJ · Charter 23807
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 | -0.17% | -0.93% | -0.27% | 0.36% | 0.48% | 0.04% | 0.23% | 0.37% | +1 bps | |
| Return on Equity | -1.21% | -7.44% | -2.25% | 2.98% | 3.82% | 0.30% | 1.95% | 3.08% | +11 bps | |
| Net Interest Margin | 5.33% | 5.08% | 5.62% | 5.59% | 5.73% | 5.50% | 5.65% | 5.88% | +29 bps | |
| Efficiency Ratio | 100.13% | 109.65% | 103.98% | 93.47% | 91.26% | 98.96% | 96.18% | 93.90% | +43 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.49% | -0.05% | 1.36% | 7.33% | 4.53% | 4.62% | 3.28% | 1.24% | -609 bps | |
| Loan Growth (YoY) | -3.63% | -1.98% | 3.70% | 11.52% | 15.46% | 13.48% | 11.42% | 8.38% | -314 bps | |
| Share Growth (YoY) | -4.99% | 1.28% | 2.68% | 10.11% | 5.99% | 4.80% | 5.92% | 0.24% | -986 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.09% | 2.71% | 1.71% | 0.18% | 0.25% | 0.25% | 0.23% | 0.21% | +2 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 | 0.45% | 0.35% | 0.36% | 0.37% | 0.25% | 0.25% | 0.24% | 0.23% | -14 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.64% | 12.46% | 12.07% | 12.10% | 12.54% | 11.94% | 11.84% | 11.99% | -11 bps | |
| Net Worth / Assets | 13.64% | 12.46% | 12.07% | 12.10% | 12.54% | 11.94% | 11.84% | 11.99% | -11 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 73.69% | 70.30% | 72.28% | 75.48% | 80.27% | 76.12% | 76.03% | 81.60% | +612 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Springfield, NJ · Charter 23807 · 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
0.38%
Rank 83 of 159
Net Interest Margin
5.87%
Rank 11 of 159
Efficiency Ratio
93.81%
Rank 111 of 158
Equity / Assets
11.99%
Rank 103 of 159
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.38% | 0.00% | 0.40% | 1.00% | Beats 48% | 83 / 159 | ||
| Return on Equity | 3.13% | 0.04% | 2.43% | 6.24% | Beats 56% | 70 / 159 | ||
| Net Interest Margin | 5.87% | 2.79% | 3.84% | 4.44% | Beats 93% | 11 / 159 | ||
| Efficiency Ratio | 93.81% | 74.21% | 85.84% | 96.50% | Beats 30% | 111 / 158 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.21% | 0.42% | 1.27% | 2.96% | Beats 83% | 28 / 158 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.99% | 10.80% | 14.61% | 21.35% | Beats 35% | 103 / 159 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.99% | 10.80% | 14.61% | 21.35% | Beats 35% | 103 / 159 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 81.60% | 27.85% | 44.27% | 75.14% | 80th pctl | 32 / 159 | ||
| Loans / Assets | 71.41% | 22.38% | 35.34% | 62.74% | 84th pctl | 25 / 159 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||