Roselle, NJ · Charter 6179
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
43
Asset Quality
26
Profitability
22
Liquidity
76
Efficiency
8
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.
Roselle, NJ · Charter 6179
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.22% | -0.28% | -0.77% | -0.89% | -0.74% | -51 bps | |
| Return on Equity | -1.63% | -2.03% | -5.65% | -6.74% | -5.50% | -387 bps | |
| Net Interest Margin | 3.77% | 3.89% | 3.93% | 3.62% | 3.86% | +9 bps | |
| Efficiency Ratio | 104.72% | 105.79% | 108.33% | 119.90% | 115.75% | +1,103 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.61% | -2.62% | -2.28% | -4.83% | -4.87% | +375 bps | |
| Loan Growth (YoY) | -4.60% | -3.62% | -17.54% | -19.53% | -19.17% | -1,457 bps | |
| Share Growth (YoY) | -10.44% | -3.00% | -2.96% | -5.25% | -4.77% | +567 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 13.61% | 14.08% | 2.63% | 2.95% | 2.88% | -1,073 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.77% | 14.02% | 13.71% | 13.14% | 13.44% | -33 bps | |
| Net Worth / Assets | 13.77% | 14.02% | 13.71% | 13.14% | 13.44% | -33 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 44.11% | 44.84% | 39.05% | 36.13% | 37.44% | -667 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Roselle, NJ · Charter 6179 · 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
-0.74%
Rank 145 of 159
Net Interest Margin
3.85%
Rank 79 of 159
Efficiency Ratio
115.86%
Rank 147 of 158
Equity / Assets
13.44%
Rank 90 of 159
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.74% | 0.00% | 0.40% | 1.00% | Beats 9% | 145 / 159 | |
| Return on Equity | -5.49% | 0.04% | 2.43% | 6.24% | Beats 8% | 147 / 159 | |
| Net Interest Margin | 3.85% | 2.79% | 3.84% | 4.44% | Beats 50% | 79 / 159 | |
| Efficiency Ratio | 115.86% | 74.21% | 85.84% | 96.50% | Beats 8% | 147 / 158 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 2.89% | 0.42% | 1.27% | 2.96% | Beats 26% | 118 / 158 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 13.44% | 10.80% | 14.61% | 21.35% | Beats 43% | 90 / 159 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 13.44% | 10.80% | 14.61% | 21.35% | Beats 43% | 90 / 159 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 37.44% | 27.85% | 44.27% | 75.14% | 40th pctl | 96 / 159 | |
| Loans / Assets | 33.03% | 22.38% | 35.34% | 62.74% | 44th pctl | 89 / 159 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||