New Jersey Law and Public Safety
Trenton, NJ · Charter 66130 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
$63.9MAssets
$39.4MLoans
$51.2MShares
$12.6MNet Worth
Executive Summary
- Strongest standing: return on assets outperforms 91% of credit unions under $1B in assets (rank 149 of 1683).
- Widest gap: nonperforming loans / loans trails 28% of credit unions under $1B in assets (rank 472 of 1682).
- Overall: at or above the peer median on 7 of 7 directional measures.
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 | 8-Qtr Trend | 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 |