Hancocks Bridge, NJ · Charter 24226
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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
51
Asset Quality
78
Profitability
14
Liquidity
0
Efficiency
1
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.
Hancocks Bridge, NJ · Charter 24226
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 | 0.65% | 0.90% | 0.94% | 0.37% | -4.50% | -515 bps | |
| Return on Equity | 4.51% | 6.17% | 6.27% | 2.73% | -34.81% | -3,932 bps | |
| Net Interest Margin | 4.11% | 4.09% | 4.11% | 3.72% | 3.64% | -47 bps | |
| Efficiency Ratio | 84.81% | 78.89% | 78.35% | 90.45% | 217% | +13,187 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.70% | 5.90% | 2.95% | -0.89% | 0.05% | -165 bps | |
| Loan Growth (YoY) | -18.12% | -15.26% | -19.12% | -27.18% | -30.17% | -1,205 bps | |
| Share Growth (YoY) | 0.74% | 5.64% | 2.26% | -0.36% | 1.78% | +103 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.09% | 0.08% | 0.07% | 0.34% | 0.24% | +15 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.46% | 14.64% | 14.93% | 13.68% | 12.93% | -152 bps | |
| Net Worth / Assets | 14.46% | 14.64% | 14.93% | 13.68% | 12.93% | -152 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 52.24% | 49.77% | 46.48% | 39.85% | 35.84% | -1,639 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Hancocks Bridge, NJ · Charter 24226 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
-4.51%
Rank 1,666 of 1,683
Net Interest Margin
3.65%
Rank 989 of 1,683
Efficiency Ratio
216%
Rank 1,672 of 1,682
Equity / Assets
12.93%
Rank 833 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -4.51% | 0.35% | 0.74% | 1.18% | Beats 1% | 1,666 / 1,683 | |
| Return on Equity | -34.85% | 2.67% | 5.89% | 8.74% | Beats 1% | 1,667 / 1,681 | |
| Net Interest Margin | 3.65% | 3.31% | 3.82% | 4.32% | Beats 41% | 989 / 1,683 | |
| Efficiency Ratio | 216% | 68.91% | 78.20% | 86.93% | Beats 1% | 1,672 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.22% | 0.26% | 0.65% | 1.29% | Beats 78% | 366 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 12.93% | 10.44% | 12.89% | 16.53% | Beats 51% | 833 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 12.93% | 10.44% | 12.89% | 16.53% | Beats 51% | 833 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 35.84% | 52.61% | 69.38% | 83.50% | 8th pctl | 1,551 / 1,683 | |
| Loans / Assets | 31.16% | 44.71% | 59.18% | 70.72% | 9th pctl | 1,532 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||