Trenton, NJ · Charter 2932
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 (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
91
Asset Quality
0
Profitability
76
Liquidity
0
Efficiency
78
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.
Trenton, NJ · Charter 2932
NCUA · 1 branch
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 | 2.01% | 1.86% | 1.70% | 1.64% | 1.53% | -48 bps | |
| Return on Equity | 9.68% | 8.64% | 8.70% | 9.06% | 6.85% | -283 bps | |
| Net Interest Margin | 5.03% | 5.04% | 4.51% | 4.20% | 4.59% | -44 bps | |
| Efficiency Ratio | 61.14% | 64.14% | 63.72% | 61.56% | 67.83% | +669 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.27% | 4.13% | 1.46% | -0.14% | 0.35% | +62 bps | |
| Loan Growth (YoY) | 13.28% | -10.59% | -15.17% | -17.70% | -11.93% | -2,521 bps | |
| Share Growth (YoY) | -3.18% | 2.43% | -0.22% | -1.79% | -1.67% | +152 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 9.85% | 3.94% | 3.88% | 5.57% | 13.59% | +373 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 12.01% | 5.00% | 5.14% | 7.47% | 12.75% | +74 bps | |
| Capital | |||||||
| Risk-Based Capital | 20.81% | 21.59% | 19.50% | 18.07% | 22.39% | +157 bps | |
| Net Worth / Assets | 20.81% | 21.59% | 19.50% | 18.07% | 22.39% | +157 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 8.36% | 19.31% | 16.09% | 9.87% | 7.48% | -87 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Trenton, NJ · Charter 2932 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.55%
Rank 223 of 1,683
Net Interest Margin
4.56%
Rank 300 of 1,683
Efficiency Ratio
67.39%
Rank 373 of 1,682
Equity / Assets
22.38%
Rank 152 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.55% | 0.35% | 0.74% | 1.18% | Beats 87% | 223 / 1,683 | |
| Return on Equity | 6.94% | 2.67% | 5.89% | 8.74% | Beats 60% | 664 / 1,681 | |
| Net Interest Margin | 4.56% | 3.31% | 3.82% | 4.32% | Beats 82% | 300 / 1,683 | |
| Efficiency Ratio | 67.39% | 68.91% | 78.20% | 86.93% | Beats 78% | 373 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 13.51% | 0.26% | 0.65% | 1.29% | Beats 0% | 1,675 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 22.38% | 10.44% | 12.89% | 16.53% | Beats 91% | 152 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 22.38% | 10.44% | 12.89% | 16.53% | Beats 91% | 152 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 7.45% | 52.61% | 69.38% | 83.50% | 0th pctl | 1,677 / 1,683 | |
| Loans / Assets | 5.75% | 44.71% | 59.18% | 70.72% | 0th pctl | 1,677 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||