Cranford, NJ · Charter 2493
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 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
62
Asset Quality
22
Profitability
36
Liquidity
55
Efficiency
17
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.
Cranford, NJ · Charter 2493
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 | 0.09% | 0.11% | 0.03% | -0.13% | -0.07% | 0.01% | -0.23% | -0.30% | -17 bps | |
| Return on Equity | 0.45% | 0.58% | 0.18% | -0.72% | -0.40% | 0.04% | -1.33% | -1.80% | -108 bps | |
| Net Interest Margin | 5.56% | 5.36% | 5.17% | 5.06% | 4.86% | 4.88% | 4.50% | 4.45% | -61 bps | |
| Efficiency Ratio | 89.96% | 89.95% | 95.75% | 99.46% | 97.41% | 95.52% | 105.54% | 103.81% | +435 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.95% | 1.78% | 5.15% | 9.38% | 13.24% | 6.68% | 4.98% | 6.94% | -244 bps | |
| Loan Growth (YoY) | 3.75% | 0.58% | 1.93% | -2.62% | -3.35% | 0.05% | -3.02% | 0.97% | +359 bps | |
| Share Growth (YoY) | -3.70% | 4.30% | 8.88% | 12.02% | 17.19% | 8.21% | 6.22% | 8.79% | -322 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.97% | 2.56% | 2.18% | 2.46% | 2.03% | 2.52% | 2.77% | 3.30% | +84 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 | 19.99% | 18.95% | 18.51% | 18.27% | 17.51% | 17.64% | 17.33% | 16.77% | -150 bps | |
| Net Worth / Assets | 19.99% | 18.95% | 18.51% | 18.27% | 17.51% | 17.64% | 17.33% | 16.77% | -150 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.80% | 74.96% | 73.46% | 71.03% | 66.63% | 69.31% | 67.07% | 65.92% | -511 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Cranford, NJ · Charter 2493 · Peer group: credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=158-159)
NCUA · 2 branches
Q2 2026
Return on Assets
-0.31%
Rank 133 of 159
Net Interest Margin
4.44%
Rank 40 of 159
Efficiency Ratio
103.99%
Rank 132 of 158
Equity / Assets
16.77%
Rank 60 of 159
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.31% | 0.00% | 0.40% | 1.00% | Beats 16% | 133 / 159 | ||
| Return on Equity | -1.82% | 0.04% | 2.43% | 6.24% | Beats 17% | 132 / 159 | ||
| Net Interest Margin | 4.44% | 2.79% | 3.84% | 4.44% | Beats 75% | 40 / 159 | ||
| Efficiency Ratio | 103.99% | 74.21% | 85.84% | 96.50% | Beats 17% | 132 / 158 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 3.30% | 0.42% | 1.27% | 2.96% | Beats 22% | 124 / 158 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 16.77% | 10.80% | 14.61% | 21.35% | Beats 62% | 60 / 159 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 16.77% | 10.80% | 14.61% | 21.35% | Beats 62% | 60 / 159 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 65.92% | 27.85% | 44.27% | 75.14% | 67th pctl | 52 / 159 | ||
| Loans / Assets | 54.66% | 22.38% | 35.34% | 62.74% | 69th pctl | 49 / 159 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||