Hamilton, NJ · Charter 3202
NCUA · 2 branches
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
64
Asset Quality
61
Profitability
69
Liquidity
94
Efficiency
98
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.
Hamilton, NJ · Charter 3202
NCUA · 2 branches
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 | 1.59% | 1.59% | 1.11% | 2.01% | 1.84% | +24 bps | |
| Return on Equity | 10.70% | 10.64% | 7.65% | 13.81% | 12.75% | +205 bps | |
| Net Interest Margin | 3.25% | 3.17% | 2.76% | 3.46% | 3.21% | -4 bps | |
| Efficiency Ratio | 53.94% | 52.86% | 62.30% | 45.28% | 45.82% | -813 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.69% | 5.28% | 7.87% | 7.63% | 13.27% | +1,058 bps | |
| Loan Growth (YoY) | 3.38% | 1.83% | 3.28% | 3.47% | 7.59% | +420 bps | |
| Share Growth (YoY) | 0.06% | 4.70% | 6.32% | 6.61% | 13.21% | +1,315 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.60% | 0.67% | 0.50% | 0.51% | 0.48% | -12 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.90% | 14.95% | 14.57% | 14.55% | 14.40% | -49 bps | |
| Net Worth / Assets | 14.90% | 14.95% | 14.57% | 14.55% | 14.40% | -49 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 71.17% | 71.35% | 69.95% | 68.16% | 67.63% | -353 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Hamilton, NJ · Charter 3202 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
1.84%
Rank 111 of 1,683
Net Interest Margin
3.21%
Rank 1,330 of 1,683
Efficiency Ratio
45.82%
Rank 37 of 1,682
Equity / Assets
14.40%
Rank 610 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.84% | 0.35% | 0.74% | 1.18% | Beats 93% | 111 / 1,683 | |
| Return on Equity | 12.74% | 2.67% | 5.89% | 8.74% | Beats 94% | 102 / 1,681 | |
| Net Interest Margin | 3.21% | 3.31% | 3.82% | 4.32% | Beats 21% | 1,330 / 1,683 | |
| Efficiency Ratio | 45.82% | 68.91% | 78.20% | 86.93% | Beats 98% | 37 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.48% | 0.26% | 0.65% | 1.29% | Beats 61% | 660 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 14.40% | 10.44% | 12.89% | 16.53% | Beats 64% | 610 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 14.40% | 10.44% | 12.89% | 16.53% | Beats 64% | 610 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 67.64% | 52.61% | 69.38% | 83.50% | 47th pctl | 900 / 1,683 | |
| Loans / Assets | 57.71% | 44.71% | 59.18% | 70.72% | 47th pctl | 892 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||