Red Bank, NJ · Charter 61872
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
74
Asset Quality
85
Profitability
13
Liquidity
0
Efficiency
6
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.
Red Bank, NJ · Charter 61872
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 | -0.25% | -0.25% | -0.28% | -0.05% | 0.06% | 0.16% | -0.60% | -0.59% | -54 bps | |
| Return on Equity | -1.27% | -1.28% | -1.43% | -0.25% | 0.28% | 0.76% | -2.87% | -2.88% | -263 bps | |
| Net Interest Margin | 1.62% | 1.62% | 1.99% | 2.00% | 2.14% | 2.22% | 2.27% | 2.39% | +39 bps | |
| Efficiency Ratio | 114.98% | 114.59% | 113.58% | 102.43% | 97.40% | 93.08% | 125.52% | 124.16% | +2,172 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.87% | 1.65% | 1.39% | -0.28% | -1.94% | -6.96% | -6.56% | -3.80% | -352 bps | |
| Loan Growth (YoY) | -4.59% | -8.02% | -6.91% | -7.41% | -10.93% | -10.40% | -12.70% | -21.18% | -1,377 bps | |
| Share Growth (YoY) | -3.23% | 2.36% | 1.83% | -0.26% | -2.42% | -8.83% | -8.22% | -4.62% | -436 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.15% | 0.00% | 0.26% | 0.14% | 0.14% | 0.13% | 0.15% | -11 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 | 19.94% | 19.28% | 19.40% | 19.96% | 20.31% | 20.88% | 20.84% | 20.64% | +68 bps | |
| Net Worth / Assets | 19.94% | 19.28% | 19.40% | 19.96% | 20.31% | 20.88% | 20.84% | 20.64% | +68 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 18.17% | 17.28% | 17.20% | 17.32% | 16.58% | 16.98% | 16.36% | 14.31% | -301 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Red Bank, NJ · Charter 61872 · 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
-0.59%
Rank 141 of 159
Net Interest Margin
2.40%
Rank 137 of 159
Efficiency Ratio
123.70%
Rank 149 of 158
Equity / Assets
20.64%
Rank 42 of 159
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.59% | 0.00% | 0.40% | 1.00% | Beats 11% | 141 / 159 | ||
| Return on Equity | -2.88% | 0.04% | 2.43% | 6.24% | Beats 13% | 138 / 159 | ||
| Net Interest Margin | 2.40% | 2.79% | 3.84% | 4.44% | Beats 14% | 137 / 159 | ||
| Efficiency Ratio | 123.70% | 74.21% | 85.84% | 96.50% | Beats 6% | 149 / 158 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.16% | 0.42% | 1.27% | 2.96% | Beats 85% | 24 / 158 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 20.64% | 10.80% | 14.61% | 21.35% | Beats 74% | 42 / 159 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 20.64% | 10.80% | 14.61% | 21.35% | Beats 74% | 42 / 159 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 14.32% | 27.85% | 44.27% | 75.14% | 9th pctl | 145 / 159 | ||
| Loans / Assets | 11.36% | 22.38% | 35.34% | 62.74% | 11th pctl | 141 / 159 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||