Jersey City, NJ · Charter 5987
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
38
Asset Quality
37
Profitability
86
Liquidity
31
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.
Jersey City, NJ · Charter 5987
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 | 0.91% | 1.00% | 0.99% | 0.83% | 1.31% | 1.29% | 1.48% | 1.13% | +30 bps | |
| Return on Equity | 8.27% | 8.85% | 8.66% | 7.31% | 11.22% | 10.83% | 12.03% | 9.11% | +180 bps | |
| Net Interest Margin | 6.40% | 6.60% | 6.35% | 6.18% | 5.95% | 5.90% | 5.65% | 5.61% | -57 bps | |
| Efficiency Ratio | 59.93% | 59.28% | 59.64% | 62.98% | 59.41% | 62.89% | 59.83% | 65.82% | +283 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.03% | -2.14% | -0.36% | 1.36% | 4.04% | 4.75% | 3.46% | 2.17% | +82 bps | |
| Loan Growth (YoY) | -2.55% | -6.20% | -9.70% | -5.31% | -8.72% | -6.39% | -7.88% | -13.37% | -806 bps | |
| Share Growth (YoY) | -9.02% | -3.91% | -2.18% | -0.23% | 2.66% | 3.38% | 1.97% | 0.59% | +83 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.35% | 2.08% | 2.40% | 3.18% | 2.93% | 3.60% | 4.21% | 2.02% | -116 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 | 10.99% | 11.31% | 11.43% | 11.36% | 11.67% | 11.93% | 12.31% | 12.40% | +104 bps | |
| Net Worth / Assets | 10.99% | 11.31% | 11.43% | 11.36% | 11.67% | 11.93% | 12.31% | 12.40% | +104 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 31.06% | 31.93% | 29.34% | 28.66% | 27.62% | 28.91% | 26.51% | 24.68% | -398 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Jersey City, NJ · Charter 5987 · 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
1.12%
Rank 33 of 159
Net Interest Margin
5.61%
Rank 13 of 159
Efficiency Ratio
65.53%
Rank 27 of 158
Equity / Assets
12.41%
Rank 98 of 159
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.12% | 0.00% | 0.40% | 1.00% | Beats 79% | 33 / 159 | ||
| Return on Equity | 9.05% | 0.04% | 2.43% | 6.24% | Beats 86% | 22 / 159 | ||
| Net Interest Margin | 5.61% | 2.79% | 3.84% | 4.44% | Beats 92% | 13 / 159 | ||
| Efficiency Ratio | 65.53% | 74.21% | 85.84% | 96.50% | Beats 84% | 27 / 158 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.99% | 0.42% | 1.27% | 2.96% | Beats 37% | 101 / 158 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.41% | 10.80% | 14.61% | 21.35% | Beats 38% | 98 / 159 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.41% | 10.80% | 14.61% | 21.35% | Beats 38% | 98 / 159 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 24.68% | 27.85% | 44.27% | 75.14% | 23rd pctl | 123 / 159 | ||
| Loans / Assets | 21.16% | 22.38% | 35.34% | 62.74% | 23rd pctl | 122 / 159 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||