Kenilworth, NJ · Charter 477
NCUA · 3 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 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.
Capital
44
Asset Quality
21
Profitability
32
Liquidity
3
Efficiency
46
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.
Kenilworth, NJ · Charter 477
NCUA · 3 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 | -0.21% | -0.16% | 0.60% | 0.29% | 0.04% | -0.63% | -0.48% | -0.10% | -39 bps | |
| Return on Equity | -1.56% | -1.18% | 4.33% | 2.09% | 0.28% | -4.70% | -3.54% | -0.72% | -281 bps | |
| Net Interest Margin | 3.37% | 3.42% | 3.70% | 3.74% | 3.77% | 3.84% | 3.82% | 3.91% | +17 bps | |
| Efficiency Ratio | 87.04% | 86.32% | 76.83% | 81.39% | 85.29% | 86.59% | 88.33% | 88.08% | +669 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.11% | 1.63% | -5.32% | -1.28% | -1.76% | -3.38% | -4.01% | -3.34% | -206 bps | |
| Loan Growth (YoY) | 4.99% | 3.69% | 0.23% | -2.57% | -2.12% | -5.55% | -3.45% | -2.86% | -29 bps | |
| Share Growth (YoY) | 0.52% | 2.56% | -6.14% | -1.55% | -2.20% | -3.68% | -3.82% | -3.39% | -184 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.38% | 1.54% | 1.52% | 1.48% | 3.51% | 5.31% | 3.36% | 3.51% | +203 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 | 13.76% | 13.62% | 13.91% | 14.05% | 13.93% | 13.36% | 13.47% | 13.59% | -46 bps | |
| Net Worth / Assets | 13.76% | 13.62% | 13.91% | 14.05% | 13.93% | 13.36% | 13.47% | 13.59% | -46 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 90.65% | 91.28% | 90.77% | 90.38% | 90.72% | 89.50% | 91.12% | 90.88% | +50 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Kenilworth, NJ · Charter 477 · Peer group: credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=158-159)
NCUA · 3 branches
Q2 2026
Return on Assets
-0.10%
Rank 126 of 159
Net Interest Margin
3.91%
Rank 73 of 159
Efficiency Ratio
88.06%
Rank 87 of 158
Equity / Assets
13.59%
Rank 89 of 159
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.10% | 0.00% | 0.40% | 1.00% | Beats 21% | 126 / 159 | ||
| Return on Equity | -0.71% | 0.04% | 2.43% | 6.24% | Beats 21% | 126 / 159 | ||
| Net Interest Margin | 3.91% | 2.79% | 3.84% | 4.44% | Beats 54% | 73 / 159 | ||
| Efficiency Ratio | 88.06% | 74.21% | 85.84% | 96.50% | Beats 46% | 87 / 158 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 3.51% | 0.42% | 1.27% | 2.96% | Beats 21% | 126 / 158 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.59% | 10.80% | 14.61% | 21.35% | Beats 44% | 89 / 159 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.59% | 10.80% | 14.61% | 21.35% | Beats 44% | 89 / 159 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 90.88% | 27.85% | 44.27% | 75.14% | 87th pctl | 21 / 159 | ||
| Loans / Assets | 78.29% | 22.38% | 35.34% | 62.74% | 91st pctl | 14 / 159 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||