Trenton, NJ · Charter 66130
NCUA · 3 branches
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
86
Asset Quality
72
Profitability
84
Liquidity
67
Efficiency
88
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.
Trenton, NJ · Charter 66130
NCUA · 3 branches
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 | 1.86% | 1.96% | 1.35% | 1.52% | 1.74% | -12 bps | |
| Return on Equity | 10.16% | 10.36% | 7.31% | 7.93% | 8.85% | -130 bps | |
| Net Interest Margin | 4.46% | 4.58% | 3.91% | 4.64% | 4.68% | +22 bps | |
| Efficiency Ratio | 62.52% | 60.32% | 67.83% | 65.11% | 61.16% | -135 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 11.23% | 7.45% | 6.96% | 1.51% | 0.22% | -1,102 bps | |
| Loan Growth (YoY) | -1.07% | -3.23% | -4.28% | -1.63% | -1.42% | -35 bps | |
| Share Growth (YoY) | 12.00% | 7.49% | 6.85% | 0.12% | -1.28% | -1,328 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.62% | 0.32% | 0.12% | 0.21% | 0.31% | -31 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 | 18.36% | 18.93% | 18.46% | 19.14% | 19.65% | +129 bps | |
| Net Worth / Assets | 18.36% | 18.93% | 18.46% | 19.14% | 19.65% | +129 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 77.05% | 77.85% | 75.85% | 76.44% | 76.94% | -10 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Trenton, NJ · Charter 66130 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
1.74%
Rank 149 of 1,683
Net Interest Margin
4.68%
Rank 257 of 1,683
Efficiency Ratio
61.14%
Rank 205 of 1,682
Equity / Assets
19.65%
Rank 241 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.74% | 0.35% | 0.74% | 1.18% | Beats 91% | 149 / 1,683 | |
| Return on Equity | 8.86% | 2.67% | 5.89% | 8.74% | Beats 76% | 410 / 1,681 | |
| Net Interest Margin | 4.68% | 3.31% | 3.82% | 4.32% | Beats 85% | 257 / 1,683 | |
| Efficiency Ratio | 61.14% | 68.91% | 78.20% | 86.93% | Beats 88% | 205 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.31% | 0.26% | 0.65% | 1.29% | Beats 72% | 472 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 19.65% | 10.44% | 12.89% | 16.53% | Beats 86% | 241 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 19.65% | 10.44% | 12.89% | 16.53% | Beats 86% | 241 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 76.94% | 52.61% | 69.38% | 83.50% | 64th pctl | 609 / 1,683 | |
| Loans / Assets | 61.72% | 44.71% | 59.18% | 70.72% | 56th pctl | 744 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||