Deepwater, NJ · Charter 430
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 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
33
Asset Quality
48
Profitability
87
Liquidity
74
Efficiency
82
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.
Deepwater, NJ · Charter 430
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 | 0.61% | 0.49% | 0.90% | 1.04% | 0.97% | 1.10% | 1.81% | 1.68% | +63 bps | |
| Return on Equity | 6.22% | 5.15% | 9.49% | 10.48% | 9.51% | 10.47% | 16.72% | 15.02% | +454 bps | |
| Net Interest Margin | 3.20% | 3.12% | 3.66% | 3.57% | 3.62% | 3.64% | 4.33% | 4.20% | +63 bps | |
| Efficiency Ratio | 80.38% | 83.08% | 76.15% | 71.04% | 71.54% | 71.26% | 69.33% | 66.17% | -488 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.28% | 1.35% | 1.14% | 1.46% | 2.95% | 0.89% | 0.35% | 2.14% | +67 bps | |
| Loan Growth (YoY) | 3.60% | 3.94% | 2.61% | 1.35% | 1.21% | 1.32% | 0.60% | 10.74% | +939 bps | |
| Share Growth (YoY) | -2.77% | 0.19% | -0.06% | 0.32% | 1.38% | -0.57% | -1.98% | -0.57% | -89 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.34% | 0.44% | 0.43% | 0.69% | 0.42% | 0.52% | 0.44% | 1.00% | +31 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 | 9.74% | 9.53% | 9.52% | 9.96% | 10.24% | 10.56% | 10.80% | 11.16% | +120 bps | |
| Net Worth / Assets | 9.74% | 9.53% | 9.52% | 9.96% | 10.24% | 10.56% | 10.80% | 11.16% | +120 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 55.51% | 54.40% | 52.84% | 54.06% | 55.42% | 55.44% | 54.23% | 60.21% | +615 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Deepwater, NJ · Charter 430 · Peer group: credit unions under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=50-51)
NCUA · 2 branches
Q2 2026
Return on Assets
1.68%
Rank 7 of 51
Net Interest Margin
4.20%
Rank 10 of 51
Efficiency Ratio
66.18%
Rank 10 of 50
Equity / Assets
11.16%
Rank 34 of 51
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.68% | -0.05% | 0.48% | 0.90% | Beats 86% | 7 / 51 | ||
| Return on Equity | 15.03% | -0.58% | 4.00% | 6.90% | Beats 96% | 2 / 51 | ||
| Net Interest Margin | 4.20% | 2.96% | 3.44% | 3.98% | Beats 80% | 10 / 51 | ||
| Efficiency Ratio | 66.18% | 73.91% | 81.87% | 94.16% | Beats 82% | 10 / 50 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.00% | 0.19% | 0.96% | 1.83% | Beats 48% | 27 / 50 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.16% | 10.44% | 12.55% | 18.48% | Beats 33% | 34 / 51 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.16% | 10.44% | 12.55% | 18.48% | Beats 33% | 34 / 51 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 60.21% | 28.84% | 50.95% | 65.41% | 67th pctl | 17 / 51 | ||
| Loans / Assets | 52.39% | 20.51% | 39.58% | 57.94% | 67th pctl | 17 / 51 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||