Plainfield, NJ · Charter 2892
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
82
Asset Quality
3
Profitability
96
Liquidity
88
Efficiency
79
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.
Plainfield, NJ · Charter 2892
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 | -1.43% | -1.43% | 1.76% | 0.34% | 0.44% | 0.29% | 6.30% | 3.10% | +276 bps | |
| Return on Equity | -7.57% | -7.28% | 7.97% | 1.55% | 1.99% | 1.27% | 24.51% | 12.16% | +1,062 bps | |
| Net Interest Margin | 4.93% | 5.14% | 7.24% | 5.70% | 6.69% | 6.53% | 14.93% | 10.39% | +469 bps | |
| Efficiency Ratio | 125.79% | 125.33% | 77.53% | 94.51% | 93.82% | 95.86% | 58.51% | 71.76% | -2,275 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -14.18% | -16.18% | -16.04% | -14.55% | -14.66% | -12.76% | -9.09% | -8.06% | +649 bps | |
| Loan Growth (YoY) | -5.57% | -1.25% | -8.26% | -5.37% | -12.50% | -12.00% | -6.56% | -1.67% | +370 bps | |
| Share Growth (YoY) | -13.46% | -15.79% | -19.35% | -17.66% | -18.14% | -16.24% | -14.06% | -13.13% | +453 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 16.63% | 14.54% | 8.13% | 10.91% | 14.07% | 16.17% | 16.17% | 20.87% | +996 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 | 5.96% | 6.31% | 1.70% | 1.85% | 1.92% | 1.91% | 2.45% | 2.35% | +50 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.92% | 19.58% | 22.10% | 21.90% | 22.18% | 22.72% | 25.71% | 25.47% | +357 bps | |
| Net Worth / Assets | 18.92% | 19.58% | 22.10% | 21.90% | 22.18% | 22.72% | 25.71% | 25.47% | +357 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 41.12% | 43.45% | 44.74% | 44.35% | 43.96% | 45.64% | 48.65% | 50.20% | +585 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Plainfield, NJ · Charter 2892 · 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
3.04%
Rank 7 of 159
Net Interest Margin
10.40%
Rank 1 of 159
Efficiency Ratio
71.01%
Rank 34 of 158
Equity / Assets
25.44%
Rank 28 of 159
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 3.04% | 0.00% | 0.40% | 1.00% | Beats 96% | 7 / 159 | ||
| Return on Equity | 11.95% | 0.04% | 2.43% | 6.24% | Beats 92% | 13 / 159 | ||
| Net Interest Margin | 10.40% | 2.79% | 3.84% | 4.44% | Beats 99% | 1 / 159 | ||
| Efficiency Ratio | 71.01% | 74.21% | 85.84% | 96.50% | Beats 79% | 34 / 158 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 20.91% | 0.42% | 1.27% | 2.96% | Beats 3% | 155 / 158 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 25.44% | 10.80% | 14.61% | 21.35% | Beats 82% | 28 / 159 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 25.44% | 10.80% | 14.61% | 21.35% | Beats 82% | 28 / 159 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 50.22% | 27.85% | 44.27% | 75.14% | 54th pctl | 73 / 159 | ||
| Loans / Assets | 36.72% | 22.38% | 35.34% | 62.74% | 52nd pctl | 77 / 159 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||