Newark, NJ · Charter 4894
NCUA · 1 branch
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
64
Asset Quality
87
Profitability
18
Liquidity
56
Efficiency
11
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.
Newark, NJ · Charter 4894
NCUA · 1 branch
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 | -0.26% | -0.45% | -1.55% | -0.90% | -0.85% | -0.70% | -0.66% | -0.78% | +12 bps | |
| Return on Equity | -1.45% | -2.56% | -9.17% | -5.26% | -4.95% | -4.03% | -3.84% | -4.52% | +73 bps | |
| Net Interest Margin | 3.18% | 3.18% | 2.85% | 3.24% | 3.31% | 3.38% | 3.18% | 3.44% | +19 bps | |
| Efficiency Ratio | 107.25% | 110.77% | 128.53% | 107.66% | 106.65% | 105.54% | 109.08% | 110.80% | +313 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.90% | 1.18% | 0.95% | 0.41% | -2.13% | -1.46% | -4.15% | -4.27% | -468 bps | |
| Loan Growth (YoY) | -12.53% | -12.25% | -10.25% | -4.35% | -3.45% | -1.77% | -3.91% | -11.73% | -738 bps | |
| Share Growth (YoY) | 3.47% | 3.07% | 3.30% | 0.67% | -1.88% | -1.35% | -4.82% | -4.48% | -515 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.89% | 0.63% | 0.43% | 0.41% | 0.14% | 0.10% | 0.11% | 0.10% | -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 | 17.59% | 17.70% | 16.88% | 17.19% | 17.08% | 17.26% | 17.16% | 17.32% | +13 bps | |
| Net Worth / Assets | 17.59% | 17.70% | 16.88% | 17.19% | 17.08% | 17.26% | 17.16% | 17.32% | +13 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.23% | 70.71% | 65.87% | 70.87% | 69.10% | 70.41% | 66.50% | 65.49% | -538 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Newark, NJ · Charter 4894 · 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
Return on Assets
-0.79%
Rank 147 of 159
Net Interest Margin
3.43%
Rank 101 of 159
Efficiency Ratio
111.03%
Rank 141 of 158
Equity / Assets
17.33%
Rank 57 of 159
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.79% | 0.00% | 0.40% | 1.00% | Beats 8% | 147 / 159 | ||
| Return on Equity | -4.55% | 0.04% | 2.43% | 6.24% | Beats 11% | 142 / 159 | ||
| Net Interest Margin | 3.43% | 2.79% | 3.84% | 4.44% | Beats 36% | 101 / 159 | ||
| Efficiency Ratio | 111.03% | 74.21% | 85.84% | 96.50% | Beats 11% | 141 / 158 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.10% | 0.42% | 1.27% | 2.96% | Beats 87% | 22 / 158 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 17.33% | 10.80% | 14.61% | 21.35% | Beats 64% | 57 / 159 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 17.33% | 10.80% | 14.61% | 21.35% | Beats 64% | 57 / 159 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 65.49% | 27.85% | 44.27% | 75.14% | 67th pctl | 53 / 159 | ||
| Loans / Assets | 54.58% | 22.38% | 35.34% | 62.74% | 69th pctl | 50 / 159 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||