Deptford, NJ · Charter 3951
NCUA · 7 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 in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=50 to 51). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
6
Asset Quality
50
Profitability
56
Liquidity
11
Efficiency
36
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.
Deptford, NJ · Charter 3951
NCUA · 7 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 | 1.30% | 0.82% | 0.61% | 0.08% | 0.35% | -95 bps | |
| Return on Equity | 15.28% | 9.80% | 7.43% | 1.00% | 4.39% | -1,089 bps | |
| Net Interest Margin | 2.52% | 2.61% | 2.73% | 3.56% | 4.06% | +154 bps | |
| Efficiency Ratio | 74.64% | 82.03% | 85.44% | 89.05% | 86.23% | +1,159 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.77% | 0.22% | 5.28% | 7.53% | 7.69% | +946 bps | |
| Loan Growth (YoY) | 3.76% | 11.33% | 17.31% | 24.33% | 24.25% | +2,049 bps | |
| Share Growth (YoY) | -1.57% | 3.29% | 4.40% | 7.66% | 7.88% | +945 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.64% | 0.58% | 0.69% | 0.66% | 0.96% | +32 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 | 8.52% | 8.40% | 8.27% | 8.04% | 8.00% | -52 bps | |
| Net Worth / Assets | 8.52% | 8.40% | 8.27% | 8.04% | 8.00% | -52 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 71.67% | 76.45% | 77.88% | 79.68% | 82.55% | +1,088 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 99.74% | +9,974 bps | |
Deptford, NJ · Charter 3951 · Peer group: credit unions under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=50-51)
NCUA · 7 branches
Q2 2026
Return on Assets
0.35%
Rank 31 of 51
Net Interest Margin
4.06%
Rank 11 of 51
Efficiency Ratio
86.24%
Rank 33 of 50
Equity / Assets
8.00%
Rank 48 of 51
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.35% | -0.05% | 0.48% | 0.90% | Beats 39% | 31 / 51 | |
| Return on Equity | 4.39% | -0.58% | 4.00% | 6.90% | Beats 51% | 25 / 51 | |
| Net Interest Margin | 4.06% | 2.96% | 3.44% | 3.98% | Beats 78% | 11 / 51 | |
| Efficiency Ratio | 86.24% | 73.91% | 81.87% | 94.16% | Beats 36% | 33 / 50 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.96% | 0.19% | 0.96% | 1.83% | Beats 50% | 26 / 50 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 8.00% | 10.44% | 12.55% | 18.48% | Beats 6% | 48 / 51 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 8.00% | 10.44% | 12.55% | 18.48% | Beats 6% | 48 / 51 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 82.55% | 28.84% | 50.95% | 65.41% | 86th pctl | 7 / 51 | |
| Loans / Assets | 72.77% | 20.51% | 39.58% | 57.94% | 88th pctl | 6 / 51 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||