Cedarville, NJ · Charter 3476
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
3
Asset Quality
27
Profitability
48
Liquidity
0
Efficiency
49
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.
Cedarville, NJ · Charter 3476
NCUA · 2 branches
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 | 0.75% | 0.46% | 0.24% | 0.65% | 0.29% | 0.34% | -0.19% | 0.23% | -42 bps | |
| Return on Equity | 8.78% | 5.66% | 3.08% | 8.01% | 3.71% | 4.43% | -2.58% | 2.96% | -506 bps | |
| Net Interest Margin | 6.08% | 6.12% | 5.92% | 6.09% | 6.07% | 5.95% | 5.72% | 5.83% | -27 bps | |
| Efficiency Ratio | 75.31% | 74.29% | 75.16% | 73.12% | 77.33% | 78.19% | 77.69% | 78.41% | +528 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.40% | 0.87% | 3.40% | 1.91% | 5.07% | 6.57% | 1.95% | 2.35% | +44 bps | |
| Loan Growth (YoY) | 23.57% | 16.02% | 11.30% | 11.57% | 7.90% | 6.07% | 7.08% | 7.29% | -428 bps | |
| Share Growth (YoY) | -2.36% | 1.71% | 4.50% | 2.70% | 5.24% | 6.51% | 2.07% | 1.61% | -109 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.82% | 2.50% | 1.82% | 1.69% | 1.71% | 1.85% | 1.44% | 1.19% | -51 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.52% | 8.04% | 7.66% | 8.06% | 7.94% | 7.60% | 7.46% | 7.73% | -33 bps | |
| Net Worth / Assets | 8.52% | 8.04% | 7.66% | 8.06% | 7.94% | 7.60% | 7.46% | 7.73% | -33 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 93.75% | 94.63% | 90.03% | 96.30% | 96.13% | 94.24% | 94.45% | 101.68% | +538 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Cedarville, NJ · Charter 3476 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
0.23%
Rank 1,365 of 1,683
Net Interest Margin
5.83%
Rank 52 of 1,683
Efficiency Ratio
78.39%
Rank 855 of 1,682
Equity / Assets
7.73%
Rank 1,639 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.23% | 0.35% | 0.74% | 1.18% | Beats 19% | 1,365 / 1,683 | ||
| Return on Equity | 2.96% | 2.67% | 5.89% | 8.74% | Beats 28% | 1,217 / 1,681 | ||
| Net Interest Margin | 5.83% | 3.31% | 3.82% | 4.32% | Beats 97% | 52 / 1,683 | ||
| Efficiency Ratio | 78.39% | 68.91% | 78.20% | 86.93% | Beats 49% | 855 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.19% | 0.26% | 0.65% | 1.29% | Beats 27% | 1,221 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 7.73% | 10.44% | 12.89% | 16.53% | Beats 3% | 1,639 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 7.73% | 10.44% | 12.89% | 16.53% | Beats 3% | 1,639 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 101.68% | 52.61% | 69.38% | 83.50% | 97th pctl | 48 / 1,683 | ||
| Loans / Assets | 91.37% | 44.71% | 59.18% | 70.72% | 100th pctl | 5 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||