Clifton NJ Postal Employees
Clifton, NJ · Charter 277 · Peer group: credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (n=60)
NCUA · 1 branch
Q2 2026
$2.1MAssets
$373KLoans
$1.2MShares
$1.1MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 98% of credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (rank 1 of 60).
- Widest gap: nonperforming loans / loans trails 98% of credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (rank 60 of 60).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.09%
Rank 50 of 60
Net Interest Margin
3.65%
Rank 29 of 60
Efficiency Ratio
100.00%
Rank 53 of 60
Equity / Assets
52.17%
Rank 1 of 60
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.09% | 0.35% | 0.84% | 1.37% | Beats 17% | 50 / 60 | |
| Return on Equity | 0.18% | 2.76% | 6.36% | 10.04% | Beats 17% | 50 / 60 | |
| Net Interest Margin | 3.65% | 3.02% | 3.63% | 4.05% | Beats 52% | 29 / 60 | |
| Efficiency Ratio | 100.00% | 67.68% | 77.48% | 89.33% | Beats 15% | 53 / 60 | |
| Asset Quality |
| Nonperforming Loans / Loans | 6.70% | 0.32% | 0.64% | 1.44% | Beats 2% | 60 / 60 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 52.17% | 10.72% | 13.16% | 17.68% | Beats 98% | 1 / 60 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 52.17% | 10.72% | 13.16% | 17.68% | Beats 98% | 1 / 60 | |
| Liquidity & Funding |
| Loans / Deposits | 32.21% | 43.79% | 55.03% | 72.55% | 10th pctl | 54 / 60 | |
| Loans / Assets | 17.44% | 36.50% | 47.22% | 58.67% | 5th pctl | 57 / 60 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |