Northfield, NJ · Charter 3420
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.
Trailing 9 quarters, through Q2 2026
Capital
89
Asset Quality
15
Profitability
60
Liquidity
0
Efficiency
83
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is a stronger peer standing, and the peer median is fixed at 50. Liquidity, Growth: closeness to the peer median, 100 at the median.
Northfield, NJ · Charter 3420
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 | 2.02% | 2.20% | 1.84% | 1.29% | 1.32% | -70 bps | |
| Return on Equity | 9.75% | 10.57% | 8.63% | 6.18% | 6.23% | -352 bps | |
| Net Interest Margin | 4.69% | 4.45% | 4.38% | 3.67% | 3.68% | -101 bps | |
| Efficiency Ratio | 56.39% | 51.18% | 58.64% | 65.74% | 65.29% | +891 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.34% | 0.69% | -0.12% | 3.59% | 4.82% | +148 bps | |
| Loan Growth (YoY) | 5.77% | 1.00% | -7.84% | -18.29% | -18.06% | -2,383 bps | |
| Share Growth (YoY) | 1.24% | -1.88% | -2.53% | 2.37% | 4.21% | +297 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.29% | 0.96% | 2.02% | +202 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.11% | 1.57% | 1.64% | 1.75% | 1.97% | -14 bps | |
| Capital | |||||||
| Risk-Based Capital | 20.72% | 20.78% | 21.32% | 20.92% | 21.24% | +52 bps | |
| Net Worth / Assets | 20.72% | 20.78% | 21.32% | 20.92% | 21.24% | +52 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 20.17% | 19.07% | 18.74% | 16.82% | 15.86% | -431 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Northfield, NJ · Charter 3420 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.34%
Rank 322 of 1,683
Net Interest Margin
3.74%
Rank 908 of 1,683
Efficiency Ratio
65.00%
Rank 296 of 1,682
Equity / Assets
21.25%
Rank 177 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.34% | 0.35% | 0.74% | 1.18% | Beats 81% | 322 / 1,683 | |
| Return on Equity | 6.32% | 2.67% | 5.89% | 8.74% | Beats 54% | 766 / 1,681 | |
| Net Interest Margin | 3.74% | 3.31% | 3.82% | 4.32% | Beats 46% | 908 / 1,683 | |
| Efficiency Ratio | 65.00% | 68.91% | 78.20% | 86.93% | Beats 83% | 296 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.92% | 0.26% | 0.65% | 1.29% | Beats 15% | 1,438 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 21.25% | 10.44% | 12.89% | 16.53% | Beats 89% | 177 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 21.25% | 10.44% | 12.89% | 16.53% | Beats 89% | 177 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 15.88% | 52.61% | 69.38% | 83.50% | 1st pctl | 1,664 / 1,683 | |
| Loans / Assets | 12.47% | 44.71% | 59.18% | 70.72% | 1st pctl | 1,662 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||