Newark, NJ · Charter 24167
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
42
Asset Quality
100
Profitability
42
Liquidity
79
Efficiency
24
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.
Newark, NJ · Charter 24167
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 | 0.26% | 0.23% | 0.22% | 0.17% | 0.21% | -5 bps | |
| Return on Equity | 2.01% | 1.81% | 1.66% | 1.39% | 1.56% | -45 bps | |
| Net Interest Margin | 3.85% | 3.81% | 3.96% | 3.32% | 3.79% | -6 bps | |
| Efficiency Ratio | 97.95% | 98.16% | 98.29% | 98.44% | 98.30% | +34 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.63% | 6.62% | -3.94% | 0.70% | -1.27% | -590 bps | |
| Loan Growth (YoY) | 2.21% | 3.09% | 11.02% | 11.12% | -8.30% | -1,052 bps | |
| Share Growth (YoY) | 5.27% | 6.20% | -5.25% | 1.42% | -3.46% | -874 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.03% | 0.00% | 0.00% | 0.00% | 0.00% | -3 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.59% | 0.39% | 0.22% | 0.23% | 0.24% | -35 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.98% | 12.67% | 13.37% | 12.33% | 13.34% | +36 bps | |
| Net Worth / Assets | 12.98% | 12.67% | 13.37% | 12.33% | 13.34% | +36 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 40.27% | 38.86% | 40.06% | 35.41% | 38.25% | -202 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Newark, NJ · Charter 24167 · 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
0.19%
Rank 101 of 159
Net Interest Margin
3.84%
Rank 80 of 159
Efficiency Ratio
97.92%
Rank 121 of 158
Equity / Assets
13.35%
Rank 92 of 159
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.19% | 0.00% | 0.40% | 1.00% | Beats 36% | 101 / 159 | |
| Return on Equity | 1.44% | 0.04% | 2.43% | 6.24% | Beats 39% | 97 / 159 | |
| Net Interest Margin | 3.84% | 2.79% | 3.84% | 4.44% | Beats 50% | 80 / 159 | |
| Efficiency Ratio | 97.92% | 74.21% | 85.84% | 96.50% | Beats 24% | 121 / 158 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.42% | 1.27% | 2.96% | Beats 100% | 18 / 158 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 13.35% | 10.80% | 14.61% | 21.35% | Beats 42% | 92 / 159 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 13.35% | 10.80% | 14.61% | 21.35% | Beats 42% | 92 / 159 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 38.27% | 27.85% | 44.27% | 75.14% | 43rd pctl | 91 / 159 | |
| Loans / Assets | 32.27% | 22.38% | 35.34% | 62.74% | 42nd pctl | 93 / 159 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||