Linden, NJ · Charter 2617
NCUA · 1 branch
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
91
Asset Quality
72
Profitability
45
Liquidity
4
Efficiency
82
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.
Linden, NJ · Charter 2617
NCUA · 1 branch
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 | 0.84% | 1.07% | 0.69% | 1.04% | 0.91% | 1.28% | 0.86% | 0.84% | -20 bps | |
| Return on Equity | 3.11% | 3.80% | 2.38% | 3.51% | 3.05% | 4.13% | 2.73% | 2.62% | -89 bps | |
| Net Interest Margin | 2.26% | 2.52% | 2.26% | 2.66% | 2.57% | 2.95% | 2.51% | 2.43% | -23 bps | |
| Efficiency Ratio | 63.68% | 58.59% | 69.93% | 61.31% | 64.97% | 57.23% | 66.36% | 65.85% | +454 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.97% | -8.23% | -8.59% | -7.71% | -5.73% | -5.60% | -3.51% | -4.10% | +361 bps | |
| Loan Growth (YoY) | 0.14% | -6.28% | -8.48% | -7.87% | -7.29% | -1.34% | 1.59% | -1.37% | +649 bps | |
| Share Growth (YoY) | -10.65% | -10.46% | -11.07% | -10.90% | -8.31% | -9.61% | -6.91% | -7.66% | +324 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.95% | 4.95% | 1.61% | 1.15% | 1.19% | 1.64% | 0.32% | 0.60% | -55 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 | 4.71% | 3.69% | 3.97% | 3.80% | 4.08% | 4.68% | 4.93% | 5.16% | +136 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 27.13% | 28.05% | 29.01% | 29.74% | 29.90% | 30.99% | 31.39% | 32.21% | +246 bps | |
| Net Worth / Assets | 27.13% | 28.05% | 29.01% | 29.74% | 29.90% | 30.99% | 31.39% | 32.21% | +246 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 15.78% | 15.36% | 15.21% | 15.66% | 15.96% | 16.76% | 16.60% | 16.73% | +107 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Linden, NJ · Charter 2617 · Peer group: credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=158-159)
NCUA · 1 branch
Q2 2026
Return on Assets
0.84%
Rank 48 of 159
Net Interest Margin
2.43%
Rank 136 of 159
Efficiency Ratio
65.88%
Rank 29 of 158
Equity / Assets
32.20%
Rank 15 of 159
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.84% | 0.00% | 0.40% | 1.00% | Beats 70% | 48 / 159 | ||
| Return on Equity | 2.61% | 0.04% | 2.43% | 6.24% | Beats 51% | 78 / 159 | ||
| Net Interest Margin | 2.43% | 2.79% | 3.84% | 4.44% | Beats 14% | 136 / 159 | ||
| Efficiency Ratio | 65.88% | 74.21% | 85.84% | 96.50% | Beats 82% | 29 / 158 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.64% | 0.42% | 1.27% | 2.96% | Beats 72% | 45 / 158 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 32.20% | 10.80% | 14.61% | 21.35% | Beats 91% | 15 / 159 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 32.20% | 10.80% | 14.61% | 21.35% | Beats 91% | 15 / 159 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 16.72% | 27.85% | 44.27% | 75.14% | 12th pctl | 140 / 159 | ||
| Loans / Assets | 11.23% | 22.38% | 35.34% | 62.74% | 11th pctl | 142 / 159 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||