New Brunswick, NJ · Charter 2394
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
14
Asset Quality
38
Profitability
30
Liquidity
71
Efficiency
15
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.
New Brunswick, NJ · Charter 2394
NCUA · 2 branches
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 | 0.86% | 0.60% | -0.42% | -0.51% | -0.51% | 1.29% | -0.58% | -0.73% | -22 bps | |
| Return on Equity | 8.00% | 5.62% | -3.95% | -4.88% | -5.07% | 14.05% | -6.37% | -8.00% | -312 bps | |
| Net Interest Margin | 3.22% | 3.35% | 3.55% | 3.51% | 3.43% | 3.02% | 4.27% | 4.44% | +93 bps | |
| Efficiency Ratio | 85.15% | 91.78% | 109.78% | 111.96% | 112.25% | 74.33% | 111.75% | 109.31% | -265 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.29% | 0.74% | -1.23% | -1.85% | 1.15% | 34.97% | 35.74% | 30.62% | +3,247 bps | |
| Loan Growth (YoY) | 4.82% | -1.38% | -2.14% | -3.91% | -1.28% | 14.55% | 13.71% | 13.24% | +1,715 bps | |
| Share Growth (YoY) | -7.45% | 2.01% | 4.34% | 9.38% | 11.32% | 43.88% | 38.58% | 31.56% | +2,218 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.07% | 1.30% | 1.77% | 3.33% | 1.73% | 1.25% | 3.07% | 1.93% | -140 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 | 10.70% | 10.65% | 10.67% | 10.38% | 10.02% | 9.18% | 9.10% | 9.11% | -127 bps | |
| Net Worth / Assets | 10.70% | 10.65% | 10.67% | 10.38% | 10.02% | 9.18% | 9.10% | 9.11% | -127 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.29% | 72.99% | 69.65% | 67.67% | 67.65% | 58.11% | 57.15% | 58.25% | -943 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
New Brunswick, NJ · Charter 2394 · 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
-0.73%
Rank 144 of 159
Net Interest Margin
4.44%
Rank 42 of 159
Efficiency Ratio
109.15%
Rank 136 of 158
Equity / Assets
9.10%
Rank 136 of 159
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.73% | 0.00% | 0.40% | 1.00% | Beats 9% | 144 / 159 | ||
| Return on Equity | -8.00% | 0.04% | 2.43% | 6.24% | Beats 6% | 149 / 159 | ||
| Net Interest Margin | 4.44% | 2.79% | 3.84% | 4.44% | Beats 74% | 42 / 159 | ||
| Efficiency Ratio | 109.15% | 74.21% | 85.84% | 96.50% | Beats 15% | 136 / 158 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.93% | 0.42% | 1.27% | 2.96% | Beats 38% | 99 / 158 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.11% | 10.80% | 14.61% | 21.35% | Beats 14% | 136 / 159 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.10% | 10.80% | 14.61% | 21.35% | Beats 14% | 136 / 159 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 58.25% | 27.85% | 44.27% | 75.14% | 61st pctl | 62 / 159 | ||
| Loans / Assets | 52.52% | 22.38% | 35.34% | 62.74% | 68th pctl | 51 / 159 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||