Monroe Township, NJ · Charter 5321
NCUA · 1 branch
Q1 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2026, the quarter ended March 31, 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=159 to 160). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
78
Asset Quality
1
Profitability
3
Liquidity
0
Efficiency
84
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.
Monroe Township, NJ · Charter 5321
NCUA · 1 branch
Q1 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 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.86% | 1.27% | 0.60% | 2.86% | 1.49% | 1.29% | 0.35% | -3.31% | -617 bps | |
| Return on Equity | 10.56% | 6.87% | 3.25% | 14.41% | 7.16% | 5.62% | 1.49% | -14.52% | -2,893 bps | |
| Net Interest Margin | 2.84% | 2.80% | 1.33% | 3.86% | 2.13% | 1.82% | 0.95% | -0.10% | -396 bps | |
| Efficiency Ratio | 35.18% | 55.85% | 55.96% | 26.64% | 31.18% | 30.70% | 64.11% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.69% | -15.51% | -14.02% | -11.14% | -14.00% | -16.54% | -21.08% | -17.91% | -677 bps | |
| Loan Growth (YoY) | 32.78% | 10.70% | -27.22% | -10.58% | -22.52% | -39.93% | -48.37% | -50.73% | -4,015 bps | |
| Share Growth (YoY) | -11.76% | -18.57% | -17.32% | -13.25% | -17.33% | -20.70% | -25.43% | -20.92% | -766 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 94.37% | +9,437 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 | 17.65% | 18.52% | 18.40% | 19.85% | 20.84% | 22.98% | 23.67% | 22.79% | +294 bps | |
| Net Worth / Assets | 17.65% | 18.52% | 18.40% | 19.85% | 20.84% | 22.98% | 23.67% | 22.79% | +294 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 13.00% | 15.42% | 13.86% | 13.34% | 12.18% | 11.69% | 9.60% | 8.31% | -503 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Monroe Township, NJ · Charter 5321 · Peer group: credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=159-160)
NCUA · 1 branch
Q1 2026
Return on Assets
-3.25%
Rank 153 of 160
Net Interest Margin
0.00%
Rank 158 of 160
Equity / Assets
22.78%
Rank 35 of 160
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -3.25% | -0.08% | 0.29% | 0.88% | Beats 4% | 153 / 160 | ||
| Return on Equity | -14.29% | -0.72% | 2.13% | 5.71% | Beats 4% | 153 / 160 | ||
| Net Interest Margin | 0.00% | 2.80% | 3.71% | 4.42% | Beats 0% | 158 / 160 | ||
| Efficiency Ratio | n/a | Not reported for this institution | ||||||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 94.55% | 0.35% | 1.23% | 2.78% | Beats 1% | 159 / 159 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 22.79% | 10.62% | 14.53% | 21.75% | Beats 78% | 35 / 160 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 22.78% | 10.62% | 14.52% | 21.97% | Beats 78% | 35 / 160 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 8.28% | 26.94% | 44.12% | 74.89% | 5th pctl | 152 / 160 | ||
| Loans / Assets | 6.39% | 22.77% | 35.90% | 61.82% | 5th pctl | 152 / 160 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||