Newark, NJ · Charter 66159
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
91
Asset Quality
43
Profitability
21
Liquidity
74
Efficiency
2
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.
Newark, NJ · Charter 66159
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 | -0.82% | -2.09% | -1.65% | -4.45% | -4.77% | -395 bps | |
| Return on Equity | -2.57% | -6.62% | -5.05% | -13.80% | -14.38% | -1,181 bps | |
| Net Interest Margin | 3.98% | 4.11% | 4.29% | 3.73% | 3.97% | -1 bps | |
| Efficiency Ratio | 115.89% | 149.69% | 138.51% | 192.53% | 201% | +8,561 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.34% | -2.71% | -3.80% | -7.99% | -13.06% | -1,172 bps | |
| Loan Growth (YoY) | -5.60% | -8.99% | -6.59% | -10.69% | -8.37% | -278 bps | |
| Share Growth (YoY) | 0.65% | -0.80% | -3.10% | -8.02% | -14.02% | -1,466 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.48% | 0.46% | 1.93% | 1.03% | 1.69% | +121 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 11.41% | 11.00% | 11.61% | 13.68% | 14.11% | +270 bps | |
| Capital | |||||||
| Risk-Based Capital | 31.91% | 31.62% | 32.74% | 32.21% | 33.16% | +125 bps | |
| Net Worth / Assets | 31.91% | 31.62% | 32.74% | 32.21% | 33.16% | +125 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 34.54% | 36.11% | 38.46% | 35.47% | 36.80% | +227 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Newark, NJ · Charter 66159 · 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
-4.76%
Rank 156 of 159
Net Interest Margin
3.96%
Rank 68 of 159
Efficiency Ratio
204%
Rank 156 of 158
Equity / Assets
33.15%
Rank 14 of 159
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -4.76% | 0.00% | 0.40% | 1.00% | Beats 2% | 156 / 159 | |
| Return on Equity | -14.35% | 0.04% | 2.43% | 6.24% | Beats 4% | 152 / 159 | |
| Net Interest Margin | 3.96% | 2.79% | 3.84% | 4.44% | Beats 57% | 68 / 159 | |
| Efficiency Ratio | 204% | 74.21% | 85.84% | 96.50% | Beats 2% | 156 / 158 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.62% | 0.42% | 1.27% | 2.96% | Beats 43% | 91 / 158 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 33.15% | 10.80% | 14.61% | 21.35% | Beats 91% | 14 / 159 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 33.15% | 10.80% | 14.61% | 21.35% | Beats 91% | 14 / 159 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 36.84% | 27.85% | 44.27% | 75.14% | 39th pctl | 97 / 159 | |
| Loans / Assets | 24.48% | 22.38% | 35.34% | 62.74% | 28th pctl | 115 / 159 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||