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
$107.5M Assets
$39.0M Loans
$98.0M Shares
$9.5M Net 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
Metric Your Credit Union Peer 25th Peer Median Peer 75th Standing Rank Peer Position Earnings Return on Assets 1.17% 0.00% 0.40% 1.00% Beats 81% 31 / 159 Return on Equity 13.26% 0.04% 2.43% 6.24% Beats 94% 9 / 159 Net Interest Margin 3.82% 2.79% 3.84% 4.44% Beats 48% 82 / 159 Efficiency Ratio 74.21% 74.21% 85.84% 96.50% Beats 75% 40 / 158 Asset Quality Nonperforming Loans / Loans 1.24% 0.42% 1.27% 2.96% Beats 51% 79 / 158 Net Charge-Offs / Loans n/a Not reported for this institution Capital Tier 1 Capital Ratio 8.79% 10.80% 14.61% 21.35% Beats 10% 143 / 159 Total Risk-Based Capital Ratio n/a Not reported for this institution Equity / Assets 8.79% 10.80% 14.61% 21.35% Beats 10% 143 / 159 Liquidity & Funding Loans / Deposits 39.80% 27.85% 44.27% 75.14% 45th pctl 88 / 159 Loans / Assets 36.28% 22.38% 35.34% 62.74% 50th pctl 79 / 159 Brokered Deposits / Deposits n/a Not reported for this institution
Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Peer statistics computed across credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area; percentile is the share of peers with a lower reported value. Each ratio is ranked only among the institutions that reported it, so the denominator in the Rank column varies by measure (158 to 159 here). Income-statement figures on this page are year-to-date as filed, annualized, because the peer percentiles are computed on that basis. Performance Trends defaults to the discrete quarter, so the same measure can read differently there in any quarter but the first, where year-to-date and the quarter cover the same period. Peer comparisons use ratios standardized identically across all institutions and can differ from as-filed figures. Subchapter S banks are restated to an after-tax equivalent at 21.50%, the median effective tax rate of the 2,758 C-corporation banks filing for this quarter. The rate is recomputed each quarter, and C-corporation figures are unchanged. Peer groups below the disclosure floor are suppressed.
CallReports · callreports.ai · Peer Comparison Generated 2026-10-11