Ewing, NJ · Charter 24927
NCUA · 5 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 (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
23
Asset Quality
36
Profitability
85
Liquidity
11
Efficiency
77
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.
Ewing, NJ · Charter 24927
NCUA · 5 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 | 0.35% | 0.38% | 0.83% | 0.80% | 0.85% | 0.76% | 3.51% | 1.84% | +104 bps | |
| Return on Equity | 3.67% | 3.96% | 8.83% | 8.18% | 8.47% | 7.84% | 33.77% | 17.93% | +975 bps | |
| Net Interest Margin | 4.13% | 4.18% | 4.20% | 4.33% | 4.35% | 4.19% | 4.11% | 4.06% | -26 bps | |
| Efficiency Ratio | 76.46% | 77.48% | 74.65% | 74.99% | 74.36% | 75.26% | 54.46% | 67.74% | -726 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.99% | 6.12% | 9.77% | 5.60% | 1.68% | 6.51% | 3.84% | 8.35% | +275 bps | |
| Loan Growth (YoY) | 14.54% | 11.76% | 8.65% | 3.82% | 1.46% | 0.61% | 0.10% | 2.57% | -126 bps | |
| Share Growth (YoY) | 6.71% | 12.47% | 15.88% | 14.23% | 5.85% | 6.67% | 2.06% | 6.86% | -737 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.74% | 0.94% | 0.78% | 0.89% | 0.87% | 0.97% | 0.95% | 0.93% | +4 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 | 9.45% | 9.56% | 9.36% | 9.79% | 9.98% | 9.69% | 10.39% | 10.27% | +48 bps | |
| Net Worth / Assets | 9.45% | 9.56% | 9.36% | 9.79% | 9.98% | 9.69% | 10.39% | 10.27% | +48 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 99.26% | 97.25% | 91.23% | 93.45% | 95.14% | 91.73% | 89.48% | 89.69% | -376 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Ewing, NJ · Charter 24927 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 5 branches
Q2 2026
Return on Assets
1.84%
Rank 107 of 1,683
Net Interest Margin
4.06%
Rank 619 of 1,683
Efficiency Ratio
67.73%
Rank 387 of 1,682
Equity / Assets
10.27%
Rank 1,290 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.84% | 0.35% | 0.74% | 1.18% | Beats 94% | 107 / 1,683 | ||
| Return on Equity | 17.93% | 2.67% | 5.89% | 8.74% | Beats 99% | 19 / 1,681 | ||
| Net Interest Margin | 4.06% | 3.31% | 3.82% | 4.32% | Beats 63% | 619 / 1,683 | ||
| Efficiency Ratio | 67.73% | 68.91% | 78.20% | 86.93% | Beats 77% | 387 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.93% | 0.26% | 0.65% | 1.29% | Beats 36% | 1,071 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.27% | 10.44% | 12.89% | 16.53% | Beats 23% | 1,290 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.27% | 10.44% | 12.89% | 16.53% | Beats 23% | 1,290 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 89.69% | 52.61% | 69.38% | 83.50% | 86th pctl | 244 / 1,683 | ||
| Loans / Assets | 77.21% | 44.71% | 59.18% | 70.72% | 87th pctl | 214 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||