Yardville, NJ · Charter 64882
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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
69
Asset Quality
40
Profitability
6
Liquidity
0
Efficiency
1
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.
Yardville, NJ · Charter 64882
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 | 0.38% | 0.73% | 0.29% | -1.76% | -3.05% | -343 bps | |
| Return on Equity | 2.28% | 4.03% | 2.16% | -11.06% | -19.92% | -2,220 bps | |
| Net Interest Margin | 2.51% | 2.92% | 2.09% | 2.88% | 3.05% | +54 bps | |
| Efficiency Ratio | 81.86% | 74.22% | 85.26% | 155.58% | 136.36% | +5,451 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.02% | -12.01% | 22.14% | 0.44% | -1.39% | +163 bps | |
| Loan Growth (YoY) | -8.34% | -4.44% | -3.92% | 3.43% | 1.51% | +985 bps | |
| Share Growth (YoY) | -0.51% | -4.19% | -10.81% | -10.28% | -5.10% | -458 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.23% | 2.07% | 3.23% | 0.74% | 0.87% | -37 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 | 16.52% | 18.12% | 13.36% | 15.91% | 15.32% | -119 bps | |
| Net Worth / Assets | 16.52% | 18.12% | 13.36% | 15.91% | 15.32% | -119 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 34.60% | 36.20% | 36.97% | 39.01% | 37.01% | +241 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Yardville, NJ · Charter 64882 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
-3.05%
Rank 1,658 of 1,683
Net Interest Margin
3.05%
Rank 1,421 of 1,683
Efficiency Ratio
136.16%
Rank 1,658 of 1,682
Equity / Assets
15.32%
Rank 517 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.05% | 0.35% | 0.74% | 1.18% | Beats 1% | 1,658 / 1,683 | |
| Return on Equity | -19.92% | 2.67% | 5.89% | 8.74% | Beats 2% | 1,654 / 1,681 | |
| Net Interest Margin | 3.05% | 3.31% | 3.82% | 4.32% | Beats 16% | 1,421 / 1,683 | |
| Efficiency Ratio | 136.16% | 68.91% | 78.20% | 86.93% | Beats 1% | 1,658 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.87% | 0.26% | 0.65% | 1.29% | Beats 40% | 1,016 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 15.32% | 10.44% | 12.89% | 16.53% | Beats 69% | 517 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 15.32% | 10.44% | 12.89% | 16.53% | Beats 69% | 517 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 37.01% | 52.61% | 69.38% | 83.50% | 9th pctl | 1,535 / 1,683 | |
| Loans / Assets | 30.59% | 44.71% | 59.18% | 70.72% | 8th pctl | 1,540 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||