Bayonne, NJ · Charter 2641
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
1
Asset Quality
59
Profitability
61
Liquidity
0
Efficiency
95
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.
Bayonne, NJ · Charter 2641
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 | 3.05% | 0.74% | 2.18% | 1.28% | 2.27% | 1.32% | 1.69% | 1.12% | -16 bps | |
| Return on Equity | 21.56% | 8.28% | 29.18% | 20.35% | 15.63% | 13.49% | 22.04% | 16.97% | -338 bps | |
| Net Interest Margin | 5.22% | 2.95% | 3.13% | 2.03% | 3.86% | 2.45% | 3.12% | 1.98% | -6 bps | |
| Efficiency Ratio | 42.26% | 75.13% | 31.08% | 38.13% | 42.36% | 47.40% | 46.08% | 44.31% | +618 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.37% | 4.22% | 3.44% | 4.66% | 3.30% | 4.31% | 6.95% | 6.17% | +151 bps | |
| Loan Growth (YoY) | -9.54% | -7.34% | -17.45% | -2.90% | -2.26% | -6.28% | -7.51% | 4.82% | +772 bps | |
| Share Growth (YoY) | 0.98% | 2.87% | 2.63% | 4.26% | 2.02% | 3.41% | 6.73% | 5.92% | +166 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 3.73% | 0.44% | 0.62% | 0.39% | 0.00% | 1.05% | +61 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 | 1.85% | 1.84% | 2.80% | 1.79% | 1.89% | 1.96% | 3.03% | 1.70% | -8 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.16% | 9.00% | 7.49% | 6.29% | 14.56% | 9.76% | 7.67% | 6.58% | +29 bps | |
| Net Worth / Assets | 14.16% | 9.00% | 7.49% | 6.29% | 14.56% | 9.76% | 7.67% | 6.58% | +29 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 12.08% | 7.86% | 3.91% | 4.88% | 11.58% | 7.12% | 3.39% | 4.83% | -5 bps | |
| Liquid Assets / Assets | 0.00% | 81.61% | 0.00% | 0.00% | 0.00% | 89.56% | 91.73% | 0.00% | 0 bps | |
Bayonne, NJ · Charter 2641 · 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
1.11%
Rank 35 of 159
Net Interest Margin
1.96%
Rank 146 of 159
Efficiency Ratio
45.16%
Rank 9 of 158
Equity / Assets
6.58%
Rank 157 of 159
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.11% | 0.00% | 0.40% | 1.00% | Beats 78% | 35 / 159 | ||
| Return on Equity | 16.86% | 0.04% | 2.43% | 6.24% | Beats 97% | 5 / 159 | ||
| Net Interest Margin | 1.96% | 2.79% | 3.84% | 4.44% | Beats 8% | 146 / 159 | ||
| Efficiency Ratio | 45.16% | 74.21% | 85.84% | 96.50% | Beats 95% | 9 / 158 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.95% | 0.42% | 1.27% | 2.96% | Beats 59% | 65 / 158 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 6.58% | 10.80% | 14.61% | 21.35% | Beats 1% | 157 / 159 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 6.58% | 10.80% | 14.61% | 21.35% | Beats 1% | 157 / 159 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 4.83% | 27.85% | 44.27% | 75.14% | 2nd pctl | 156 / 159 | ||
| Loans / Assets | 4.50% | 22.38% | 35.34% | 62.74% | 3rd pctl | 154 / 159 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||