Vineland, NJ · Charter 2574
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 (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
16
Asset Quality
50
Profitability
49
Liquidity
30
Efficiency
28
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.
Vineland, NJ · Charter 2574
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 | 0.59% | 1.01% | 1.05% | 0.72% | 0.64% | +5 bps | |
| Return on Equity | 6.57% | 10.57% | 10.77% | 7.45% | 6.70% | +13 bps | |
| Net Interest Margin | 3.49% | 3.69% | 3.71% | 3.75% | 3.72% | +23 bps | |
| Efficiency Ratio | 87.64% | 80.54% | 78.78% | 85.02% | 85.62% | -202 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 50.66% | 58.10% | 53.12% | 52.68% | 4.40% | -4,626 bps | |
| Loan Growth (YoY) | 19.33% | 16.63% | 16.17% | 18.50% | -1.13% | -2,046 bps | |
| Share Growth (YoY) | 48.09% | 52.85% | 49.18% | 49.58% | 3.72% | -4,437 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.69% | 0.85% | 0.90% | 0.89% | 0.65% | -4 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 | 9.04% | 9.51% | 9.75% | 9.63% | 9.57% | +52 bps | |
| Net Worth / Assets | 9.04% | 9.51% | 9.75% | 9.63% | 9.57% | +52 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 50.12% | 50.83% | 50.68% | 48.20% | 47.78% | -234 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Vineland, NJ · Charter 2574 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
0.64%
Rank 964 of 1,683
Net Interest Margin
3.72%
Rank 921 of 1,683
Efficiency Ratio
85.63%
Rank 1,204 of 1,682
Equity / Assets
9.57%
Rank 1,417 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.64% | 0.35% | 0.74% | 1.18% | Beats 43% | 964 / 1,683 | |
| Return on Equity | 6.70% | 2.67% | 5.89% | 8.74% | Beats 58% | 710 / 1,681 | |
| Net Interest Margin | 3.72% | 3.31% | 3.82% | 4.32% | Beats 45% | 921 / 1,683 | |
| Efficiency Ratio | 85.63% | 68.91% | 78.20% | 86.93% | Beats 28% | 1,204 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.65% | 0.26% | 0.65% | 1.29% | Beats 50% | 837 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.57% | 10.44% | 12.89% | 16.53% | Beats 16% | 1,417 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.57% | 10.44% | 12.89% | 16.53% | Beats 16% | 1,417 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 47.78% | 52.61% | 69.38% | 83.50% | 19th pctl | 1,358 / 1,683 | |
| Loans / Assets | 43.08% | 44.71% | 59.18% | 70.72% | 23rd pctl | 1,296 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||