New Jersey State Pba

Woodbridge, NJ · Charter 24958

NCUA · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2

Part 2Peer Comparison, credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area3

Basis

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.

Peer group

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.

Peer standing

Capital

Asset Quality

Profitability

Liquidity

Efficiency

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.

New Jersey State Pba

Woodbridge, NJ · Charter 24958

NCUA · 2 branches

Q2 2026

$7.2MAssets

$2.2MLoans

$6.1MShares

$1.1MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

Earnings: ROA of -1.52%, up 242 bps year over year; NIM at 4.43%.
Asset quality: problem loans at 0.41% of loans (+32 bps YoY).

Capital: net worth / assets of 15.49%, down 1,079 bps from a year ago.
Funding: loans stand at 36.18% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-1.52%+242 bps YoY

Net Interest Margin (YTD, annualized)

4.43%+71 bps YoY

Efficiency Ratio (YTD, annualized)

130.50%-5,638 bps YoY

Net Worth / Assets

15.49%-1,079 bps YoY

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	-3.94%	-3.79%	-3.20%	-1.54%	-1.52%	+242 bps
Return on Equity	-14.98%	-16.13%	-16.88%	-9.57%	-9.81%	+517 bps
Net Interest Margin	3.72%	3.72%	3.44%	4.22%	4.43%	+71 bps
Efficiency Ratio	186.88%	185.79%	179.67%	133.11%	130.50%	-5,638 bps
Growth
Asset Growth (YoY)	232%	169.89%	141.33%	69.65%	48.75%	-18,332 bps
Loan Growth (YoY)	n/a	n/a	212%	111.65%	78.52%	n/a
Share Growth (YoY)	n/a	697%	322%	112.51%	71.70%	n/a
Asset Quality
Delinquent Loans / Loans	0.09%	0.18%	0.06%	0.25%	0.41%	+32 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	1.32%	1.26%	0.97%	0.81%	0.70%	-62 bps
Capital
Risk-Based Capital	26.28%	23.49%	18.93%	16.13%	15.49%	-1,079 bps
Net Worth / Assets	26.28%	23.49%	18.93%	16.13%	15.49%	-1,079 bps
Liquidity & Funding
Loans / Shares	34.80%	35.71%	31.74%	32.48%	36.18%	+138 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps

New Jersey State Pba

Woodbridge, NJ · Charter 24958 · 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

$7.2MAssets

$2.2MLoans

$6.1MShares

$1.1MNet Worth

Executive Summary

Strongest standing: nonperforming loans / loans outperforms 77% of credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 38 of 158).
Widest gap: efficiency ratio trails 96% of credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 153 of 158).
Overall: at or above the peer median on 4 of 7 directional measures.

Return on Assets

-1.52%

Rank 150 of 159

Net Interest Margin

4.45%

Rank 38 of 159

Efficiency Ratio

129.83%

Rank 153 of 158

Equity / Assets

15.49%

Rank 71 of 159

Metric	Your Credit Union	Peer 25th	Peer Median	Peer 75th	Standing	Rank
Earnings
Return on Assets	-1.52%	0.00%	0.40%	1.00%	Beats 6%	150 / 159
Return on Equity	-9.81%	0.04%	2.43%	6.24%	Beats 6%	150 / 159
Net Interest Margin	4.45%	2.79%	3.84%	4.44%	Beats 76%	38 / 159
Efficiency Ratio	129.83%	74.21%	85.84%	96.50%	Beats 4%	153 / 158
Asset Quality
Nonperforming Loans / Loans	0.41%	0.42%	1.27%	2.96%	Beats 77%	38 / 158
Net Charge-Offs / Loans	n/a	Not reported for this institution
Capital
Tier 1 Capital Ratio	15.49%	10.80%	14.61%	21.35%	Beats 55%	71 / 159
Total Risk-Based Capital Ratio	n/a	Not reported for this institution
Equity / Assets	15.49%	10.80%	14.61%	21.35%	Beats 55%	71 / 159
Liquidity & Funding
Loans / Deposits	36.17%	27.85%	44.27%	75.14%	37th pctl	100 / 159
Loans / Assets	30.55%	22.38%	35.34%	62.74%	40th pctl	95 / 159
Brokered Deposits / Deposits	n/a	Not reported for this institution