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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

55

Q2 2024Q2 2026peer median (50)

Asset Quality

77

Q4 2024Q2 2026peer median (50)

Profitability

29

Q2 2024Q2 2026peer median (50)

Liquidity

72

Q3 2024Q2 2026peer median

Efficiency

4

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

New Jersey State Pba

Woodbridge, NJ · Charter 24958

NCUA · 2 branches

Q2 2026

$7.2MAssets
$2.2MLoans
$6.1MShares
$1.1MNet Worth

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.

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.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-4.56%-4.87%-3.75%-3.94%-3.79%-3.20%-1.54%-1.52%+242 bps
Return on Equity-6.16%-9.13%-11.80%-14.98%-16.13%-16.88%-9.57%-9.81%+517 bps
Net Interest Margin1.61%1.84%3.45%3.72%3.72%3.44%4.22%4.43%+71 bps
Efficiency Ratio383%354%191.30%186.88%185.79%179.67%133.11%130.50%-5,638 bps
Growth
Asset Growth (YoY)n/an/a179.82%232%169.89%141.33%69.65%48.75%-18,332 bps
Loan Growth (YoY)n/an/an/an/an/a212%111.65%78.52%n/a
Share Growth (YoY)n/an/an/an/a697%322%112.51%71.70%n/a
Asset Quality
Delinquent Loans / Loansn/a0.00%0.00%0.09%0.18%0.06%0.25%0.41%+32 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/a1.17%1.10%1.32%1.26%0.97%0.81%0.70%-62 bps
Capital
Risk-Based Capital74.12%53.39%31.80%26.28%23.49%18.93%16.13%15.49%-1,079 bps
Net Worth / Assets74.12%53.39%31.80%26.28%23.49%18.93%16.13%15.49%-1,079 bps
Liquidity & Funding
Loans / Shares0.00%42.89%32.61%34.80%35.71%31.74%32.48%36.18%+138 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

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

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
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 Margin4.45%2.79%3.84%4.44%Beats 76%38 / 159
Efficiency Ratio129.83%74.21%85.84%96.50%Beats 4%153 / 158
Asset Quality
Nonperforming Loans / Loans0.41%0.42%1.27%2.96%Beats 77%38 / 158
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio15.49%10.80%14.61%21.35%Beats 55%71 / 159
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets15.49%10.80%14.61%21.35%Beats 55%71 / 159
Liquidity & Funding
Loans / Deposits36.17%27.85%44.27%75.14%37th pctl100 / 159
Loans / Assets30.55%22.38%35.34%62.74%40th pctl95 / 159
Brokered Deposits / Depositsn/aNot reported for this institution