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Raritan Bay

Sayreville, NJ · Charter 4726

NCUA · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area3

Basis

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.

Peer group

Credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=158 to 159). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

10

Q2 2024Q2 2026peer median (50)

Asset Quality

51

Q2 2024Q2 2026peer median (50)

Profitability

74

Q2 2024Q2 2026peer median (50)

Liquidity

84

Q2 2024Q2 2026peer median

Efficiency

75

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Raritan Bay

Sayreville, NJ · Charter 4726

NCUA · 1 branch

Q2 2026

$107.5MAssets
$39.0MLoans
$98.0MShares
$9.5MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.17%, down 7 bps year over year; NIM at 3.82%.
  • Asset quality: problem loans at 1.24% of loans (+47 bps YoY).
  • Capital: net worth / assets of 8.79%, up 93 bps from a year ago.
  • Funding: loans stand at 39.80% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.17%-7 bps YoY

Net Interest Margin (YTD, annualized)

3.82%+32 bps YoY

Efficiency Ratio (YTD, annualized)

74.23%-205 bps YoY

Net Worth / Assets

8.79%+93 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.23%1.07%1.16%0.96%1.17%-7 bps
Return on Equity15.70%13.20%13.72%11.32%13.26%-245 bps
Net Interest Margin3.50%3.63%3.71%3.73%3.82%+32 bps
Efficiency Ratio76.28%76.27%72.27%78.29%74.23%-205 bps
Growth
Asset Growth (YoY)2.46%1.84%3.08%1.91%2.29%-17 bps
Loan Growth (YoY)0.09%0.92%2.78%9.88%12.67%+1,258 bps
Share Growth (YoY)0.05%0.11%0.87%0.27%0.60%+55 bps
Asset Quality
Delinquent Loans / Loans0.77%0.72%0.72%0.56%1.24%+47 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital7.86%8.11%8.42%8.48%8.79%+93 bps
Net Worth / Assets7.86%8.11%8.42%8.48%8.79%+93 bps
Liquidity & Funding
Loans / Shares35.54%36.57%37.38%38.06%39.80%+426 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Raritan Bay

Sayreville, NJ · Charter 4726 · Peer group: credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=158-159)

NCUA · 1 branch

Q2 2026

$107.5MAssets
$39.0MLoans
$98.0MShares
$9.5MNet Worth

Executive Summary

  • Strongest standing: return on equity outperforms 94% of credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 9 of 159).
  • Widest gap: equity / assets trails 90% of credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 143 of 159).
  • Overall: at or above the peer median on 4 of 7 directional measures.

Return on Assets

1.17%

Rank 31 of 159

Net Interest Margin

3.82%

Rank 82 of 159

Efficiency Ratio

74.21%

Rank 40 of 158

Equity / Assets

8.79%

Rank 143 of 159

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.17%0.00%0.40%1.00%Beats 81%31 / 159
Return on Equity13.26%0.04%2.43%6.24%Beats 94%9 / 159
Net Interest Margin3.82%2.79%3.84%4.44%Beats 48%82 / 159
Efficiency Ratio74.21%74.21%85.84%96.50%Beats 75%40 / 158
Asset Quality
Nonperforming Loans / Loans1.24%0.42%1.27%2.96%Beats 51%79 / 158
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio8.79%10.80%14.61%21.35%Beats 10%143 / 159
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets8.79%10.80%14.61%21.35%Beats 10%143 / 159
Liquidity & Funding
Loans / Deposits39.80%27.85%44.27%75.14%45th pctl88 / 159
Loans / Assets36.28%22.38%35.34%62.74%50th pctl79 / 159
Brokered Deposits / Depositsn/aNot reported for this institution