Hackensack, NJ · Charter 24810
NCUA · 3 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
87
Asset Quality
25
Profitability
59
Liquidity
27
Efficiency
69
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.
Hackensack, NJ · Charter 24810
NCUA · 3 branches
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 | 1.25% | 1.37% | 1.10% | 0.80% | 0.97% | -28 bps | |
| Return on Equity | 4.37% | 4.94% | 3.81% | 2.94% | 3.50% | -87 bps | |
| Net Interest Margin | 3.88% | 3.85% | 4.01% | 3.54% | 3.73% | -15 bps | |
| Efficiency Ratio | 77.56% | 76.57% | 82.14% | 80.99% | 79.04% | +148 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.15% | 15.35% | -1.04% | 0.19% | 6.75% | +990 bps | |
| Loan Growth (YoY) | -3.69% | -2.89% | -9.72% | -8.21% | -0.61% | +308 bps | |
| Share Growth (YoY) | -7.87% | 23.79% | -1.25% | 1.38% | 15.83% | +2,371 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.58% | 3.47% | 4.48% | 3.71% | 2.99% | +41 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 | 28.54% | 27.75% | 28.81% | 27.18% | 27.67% | -87 bps | |
| Net Worth / Assets | 28.54% | 27.75% | 28.81% | 27.18% | 27.67% | -87 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 92.44% | 88.34% | 83.91% | 77.16% | 79.32% | -1,312 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Hackensack, NJ · Charter 24810 · Peer group: credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=158-159)
NCUA · 3 branches
Q2 2026
Return on Assets
0.96%
Rank 42 of 159
Net Interest Margin
3.73%
Rank 86 of 159
Efficiency Ratio
78.99%
Rank 50 of 158
Equity / Assets
27.67%
Rank 21 of 159
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.96% | 0.00% | 0.40% | 1.00% | Beats 74% | 42 / 159 | |
| Return on Equity | 3.49% | 0.04% | 2.43% | 6.24% | Beats 57% | 68 / 159 | |
| Net Interest Margin | 3.73% | 2.79% | 3.84% | 4.44% | Beats 46% | 86 / 159 | |
| Efficiency Ratio | 78.99% | 74.21% | 85.84% | 96.50% | Beats 69% | 50 / 158 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 3.00% | 0.42% | 1.27% | 2.96% | Beats 25% | 120 / 158 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 27.67% | 10.80% | 14.61% | 21.35% | Beats 87% | 21 / 159 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 27.67% | 10.80% | 14.61% | 21.35% | Beats 87% | 21 / 159 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 79.31% | 27.85% | 44.27% | 75.14% | 77th pctl | 36 / 159 | |
| Loans / Assets | 52.14% | 22.38% | 35.34% | 62.74% | 65th pctl | 55 / 159 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||