Bloomfield, NJ · Charter 7069
NCUA · 2 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 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
51
Asset Quality
28
Profitability
69
Liquidity
42
Efficiency
75
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.
Bloomfield, NJ · Charter 7069
NCUA · 2 branches
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 | -0.26% | -0.56% | 1.81% | 1.35% | 1.65% | 0.87% | -2.06% | 1.01% | -34 bps | |
| Return on Equity | -2.04% | -4.46% | 13.70% | 9.54% | 11.11% | 5.98% | -14.31% | 6.76% | -278 bps | |
| Net Interest Margin | 2.85% | 2.50% | 3.70% | 3.84% | 3.90% | 3.83% | 4.40% | 3.92% | +8 bps | |
| Efficiency Ratio | 88.31% | 107.37% | 91.60% | 79.07% | 75.48% | 81.32% | 72.04% | 75.52% | -355 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 19.54% | 9.18% | 8.08% | -5.09% | -6.47% | -5.26% | -4.91% | -1.24% | +386 bps | |
| Loan Growth (YoY) | 12.19% | 3.69% | -2.74% | -9.61% | -12.45% | -13.37% | -13.95% | -14.73% | -512 bps | |
| Share Growth (YoY) | 22.90% | 10.78% | 8.60% | -5.52% | -7.71% | -6.38% | -5.76% | -2.13% | +339 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.93% | 1.35% | 2.78% | 0.79% | 1.37% | 1.04% | 3.62% | 2.50% | +171 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 | 1.87% | 1.58% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.83% | 12.66% | 13.25% | 14.19% | 14.84% | 14.53% | 14.38% | 14.93% | +74 bps | |
| Net Worth / Assets | 12.83% | 12.66% | 13.25% | 14.19% | 14.84% | 14.53% | 14.38% | 14.93% | +74 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.66% | 85.67% | 82.02% | 82.78% | 81.26% | 79.27% | 74.89% | 72.13% | -1,065 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Bloomfield, NJ · Charter 7069 · Peer group: credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=158-159)
NCUA · 2 branches
Q2 2026
Return on Assets
1.00%
Rank 40 of 159
Net Interest Margin
3.93%
Rank 71 of 159
Efficiency Ratio
75.25%
Rank 41 of 158
Equity / Assets
14.93%
Rank 78 of 159
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.00% | 0.00% | 0.40% | 1.00% | Beats 75% | 40 / 159 | ||
| Return on Equity | 6.72% | 0.04% | 2.43% | 6.24% | Beats 77% | 37 / 159 | ||
| Net Interest Margin | 3.93% | 2.79% | 3.84% | 4.44% | Beats 55% | 71 / 159 | ||
| Efficiency Ratio | 75.25% | 74.21% | 85.84% | 96.50% | Beats 75% | 41 / 158 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.49% | 0.42% | 1.27% | 2.96% | Beats 28% | 114 / 158 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.93% | 10.80% | 14.61% | 21.35% | Beats 51% | 78 / 159 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 14.93% | 10.80% | 14.61% | 21.35% | Beats 51% | 78 / 159 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 72.12% | 27.85% | 44.27% | 75.14% | 72nd pctl | 45 / 159 | ||
| Loans / Assets | 61.11% | 22.38% | 35.34% | 62.74% | 74th pctl | 42 / 159 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||