Princeton, NJ · Charter 24150
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 Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=50 to 51). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
53
Asset Quality
68
Profitability
92
Liquidity
45
Efficiency
84
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.
Princeton, NJ · Charter 24150
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 | 1.01% | 1.03% | 1.39% | 1.36% | 1.75% | 1.74% | 2.13% | 1.71% | +34 bps | |
| Return on Equity | 8.94% | 8.77% | 11.71% | 11.17% | 13.38% | 13.02% | 15.81% | 12.58% | +141 bps | |
| Net Interest Margin | 3.68% | 3.78% | 4.04% | 4.33% | 4.64% | 4.67% | 6.33% | 5.59% | +126 bps | |
| Efficiency Ratio | 75.61% | 75.05% | 69.17% | 69.16% | 64.74% | 64.84% | 59.74% | 65.55% | -360 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.15% | -3.59% | -0.53% | -0.40% | -1.57% | 0.40% | 2.24% | 4.11% | +451 bps | |
| Loan Growth (YoY) | -2.57% | 2.25% | 6.77% | 9.19% | 12.43% | 6.13% | 10.01% | 6.89% | -230 bps | |
| Share Growth (YoY) | -5.58% | -5.46% | -3.17% | -3.01% | -3.49% | -1.62% | 1.40% | 3.45% | +647 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.34% | 0.26% | 0.48% | 0.28% | 0.41% | 0.53% | 0.30% | 0.62% | +34 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 | 11.34% | 11.69% | 11.89% | 12.22% | 13.09% | 13.38% | 13.50% | 13.58% | +136 bps | |
| Net Worth / Assets | 11.34% | 11.69% | 11.89% | 12.22% | 13.09% | 13.38% | 13.50% | 13.58% | +136 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 60.42% | 63.67% | 65.06% | 68.26% | 70.38% | 68.68% | 70.58% | 70.52% | +227 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Princeton, NJ · Charter 24150 · Peer group: credit unions under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=50-51)
NCUA · 2 branches
Q2 2026
Return on Assets
1.71%
Rank 5 of 51
Net Interest Margin
5.59%
Rank 3 of 51
Efficiency Ratio
65.53%
Rank 9 of 50
Equity / Assets
13.58%
Rank 24 of 51
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.71% | -0.05% | 0.48% | 0.90% | Beats 90% | 5 / 51 | ||
| Return on Equity | 12.58% | -0.58% | 4.00% | 6.90% | Beats 92% | 4 / 51 | ||
| Net Interest Margin | 5.59% | 2.96% | 3.44% | 3.98% | Beats 94% | 3 / 51 | ||
| Efficiency Ratio | 65.53% | 73.91% | 81.87% | 94.16% | Beats 84% | 9 / 50 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.62% | 0.19% | 0.96% | 1.83% | Beats 68% | 17 / 50 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.58% | 10.44% | 12.55% | 18.48% | Beats 53% | 24 / 51 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.58% | 10.44% | 12.55% | 18.48% | Beats 53% | 24 / 51 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 70.52% | 28.84% | 50.95% | 65.41% | 78th pctl | 11 / 51 | ||
| Loans / Assets | 61.18% | 20.51% | 39.58% | 57.94% | 80th pctl | 10 / 51 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||