Jersey City, NJ · Charter 6944
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
87
Asset Quality
40
Profitability
87
Liquidity
54
Efficiency
91
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.
Jersey City, NJ · Charter 6944
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 | 1.11% | 1.44% | 1.85% | 2.43% | 2.79% | 2.81% | 2.00% | 2.10% | -33 bps | |
| Return on Equity | 4.98% | 6.43% | 8.29% | 9.85% | 10.85% | 10.37% | 7.32% | 7.50% | -235 bps | |
| Net Interest Margin | 3.80% | 4.03% | 4.40% | 5.08% | 5.28% | 5.52% | 5.10% | 5.37% | +29 bps | |
| Efficiency Ratio | 67.60% | 63.15% | 62.27% | 55.87% | 50.53% | 52.43% | 56.79% | 57.21% | +134 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.71% | -3.82% | 0.54% | -3.17% | -3.07% | -8.24% | -9.04% | -2.78% | +39 bps | |
| Loan Growth (YoY) | -2.79% | -2.54% | -8.23% | -11.74% | -9.40% | -9.46% | -10.37% | -10.50% | +124 bps | |
| Share Growth (YoY) | -14.10% | -6.54% | -1.78% | -7.09% | -7.42% | -13.97% | -14.91% | -7.07% | +2 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.26% | 1.11% | 1.12% | 1.01% | 0.96% | 2.39% | 2.22% | 1.75% | +74 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 | 0.75% | 0.75% | 0.75% | 0.75% | 0.80% | 0.75% | 0.75% | 0.75% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 22.26% | 22.31% | 22.29% | 24.68% | 25.73% | 27.13% | 27.27% | 27.97% | +330 bps | |
| Net Worth / Assets | 22.26% | 22.31% | 22.29% | 24.68% | 25.73% | 27.13% | 27.27% | 27.97% | +330 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 33.72% | 33.73% | 29.82% | 32.33% | 33.00% | 35.50% | 31.41% | 31.13% | -119 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Jersey City, NJ · Charter 6944 · 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
2.09%
Rank 12 of 159
Net Interest Margin
5.36%
Rank 15 of 159
Efficiency Ratio
57.46%
Rank 16 of 158
Equity / Assets
27.97%
Rank 20 of 159
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.09% | 0.00% | 0.40% | 1.00% | Beats 92% | 12 / 159 | ||
| Return on Equity | 7.48% | 0.04% | 2.43% | 6.24% | Beats 78% | 35 / 159 | ||
| Net Interest Margin | 5.36% | 2.79% | 3.84% | 4.44% | Beats 91% | 15 / 159 | ||
| Efficiency Ratio | 57.46% | 74.21% | 85.84% | 96.50% | Beats 91% | 16 / 158 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.78% | 0.42% | 1.27% | 2.96% | Beats 40% | 96 / 158 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 27.97% | 10.80% | 14.61% | 21.35% | Beats 87% | 20 / 159 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 27.97% | 10.80% | 14.61% | 21.35% | Beats 87% | 20 / 159 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 31.13% | 27.85% | 44.27% | 75.14% | 30th pctl | 111 / 159 | ||
| Loans / Assets | 22.38% | 22.38% | 35.34% | 62.74% | 25th pctl | 120 / 159 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||