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Liberty Savings

Jersey City, NJ · Charter 7184

NCUA · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area3

Basis

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.

Peer group

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.

Peer standing

Capital

32

Q2 2024Q2 2026peer median (50)

Asset Quality

34

Q2 2024Q2 2026peer median (50)

Profitability

42

Q2 2024Q2 2026peer median (50)

Liquidity

73

Q2 2024Q2 2026peer median

Efficiency

26

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Liberty Savings

Jersey City, NJ · Charter 7184

NCUA · 3 branches

Q2 2026

$135.1MAssets
$67.0MLoans
$116.8MShares
$15.8MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -0.12%, down 77 bps year over year; NIM at 5.14%.
  • Asset quality: problem loans at 2.09% of loans (-9 bps YoY).
  • Capital: net worth / assets of 11.68%, down 106 bps from a year ago.
  • Funding: loans stand at 57.37% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.12%-77 bps YoY

Net Interest Margin (YTD, annualized)

5.14%-24 bps YoY

Efficiency Ratio (YTD, annualized)

95.84%+2,450 bps YoY

Net Worth / Assets

11.68%-106 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.65%0.42%0.34%-0.20%-0.12%-77 bps
Return on Equity5.08%3.41%2.85%-1.74%-1.02%-610 bps
Net Interest Margin5.38%5.27%5.13%4.88%5.14%-24 bps
Efficiency Ratio71.34%78.01%81.51%101.26%95.84%+2,450 bps
Growth
Asset Growth (YoY)-2.30%8.88%9.93%10.30%9.57%+1,188 bps
Loan Growth (YoY)-3.58%1.97%1.69%0.01%3.02%+660 bps
Share Growth (YoY)-1.81%9.51%10.47%11.37%9.27%+1,108 bps
Asset Quality
Delinquent Loans / Loans2.18%2.10%2.44%2.02%2.09%-9 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.74%12.21%12.09%11.65%11.68%-106 bps
Net Worth / Assets12.74%12.21%12.09%11.65%11.68%-106 bps
Liquidity & Funding
Loans / Shares60.85%59.05%59.08%55.65%57.37%-348 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Liberty Savings

Jersey City, NJ · Charter 7184 · Peer group: credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=158-159)

NCUA · 3 branches

Q2 2026

$135.1MAssets
$67.0MLoans
$116.8MShares
$15.8MNet Worth

Executive Summary

  • Strongest standing: net interest margin outperforms 85% of credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 24 of 159).
  • Widest gap: return on equity trails 80% of credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 127 of 159).
  • Overall: at or above the peer median on 1 of 7 directional measures.

Return on Assets

-0.12%

Rank 127 of 159

Net Interest Margin

5.14%

Rank 24 of 159

Efficiency Ratio

95.87%

Rank 118 of 158

Equity / Assets

11.68%

Rank 108 of 159

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-0.12%0.00%0.40%1.00%Beats 20%127 / 159
Return on Equity-1.01%0.04%2.43%6.24%Beats 20%127 / 159
Net Interest Margin5.14%2.79%3.84%4.44%Beats 85%24 / 159
Efficiency Ratio95.87%74.21%85.84%96.50%Beats 26%118 / 158
Asset Quality
Nonperforming Loans / Loans2.09%0.42%1.27%2.96%Beats 34%105 / 158
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio11.68%10.80%14.61%21.35%Beats 32%108 / 159
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets11.68%10.80%14.61%21.35%Beats 32%108 / 159
Liquidity & Funding
Loans / Deposits57.37%27.85%44.27%75.14%60th pctl63 / 159
Loans / Assets49.58%22.38%35.34%62.74%63rd pctl59 / 159
Brokered Deposits / Depositsn/aNot reported for this institution