Basking Ridge, NJ · Charter 857
NCUA · 22 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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
4
Asset Quality
32
Profitability
11
Liquidity
0
Efficiency
5
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.
Basking Ridge, NJ · Charter 857
NCUA · 22 branches
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 | 0.49% | 0.32% | 0.22% | 0.19% | 0.21% | -28 bps | |
| Return on Equity | 5.78% | 4.00% | 2.77% | 2.39% | 2.57% | -321 bps | |
| Net Interest Margin | 2.84% | 2.75% | 2.71% | 2.80% | 2.89% | +5 bps | |
| Efficiency Ratio | 80.21% | 83.18% | 85.52% | 86.54% | 86.16% | +595 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.53% | 4.75% | 6.67% | 3.97% | 5.34% | +480 bps | |
| Loan Growth (YoY) | 1.40% | 5.69% | 9.14% | 10.89% | 5.84% | +443 bps | |
| Share Growth (YoY) | 1.66% | 2.81% | 5.21% | 6.28% | 5.85% | +419 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.89% | 0.93% | 0.92% | 0.72% | 0.93% | +3 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.46% | 8.11% | 7.91% | 7.99% | 8.14% | -33 bps | |
| Net Worth / Assets | 8.46% | 8.11% | 7.91% | 7.99% | 8.14% | -33 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 102.58% | 105.18% | 104.26% | 101.36% | 102.57% | -1 bps | |
| Liquid Assets / Assets | 99.75% | 0.00% | 0.00% | 0.00% | 0.00% | -9,975 bps | |
Basking Ridge, NJ · Charter 857 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 22 branches
Q2 2026
Return on Assets
0.21%
Rank 405 of 435
Net Interest Margin
2.89%
Rank 357 of 435
Efficiency Ratio
86.16%
Rank 415 of 435
Equity / Assets
8.14%
Rank 416 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.21% | 0.55% | 0.81% | 1.14% | Beats 7% | 405 / 435 | |
| Return on Equity | 2.56% | 5.12% | 7.41% | 9.70% | Beats 9% | 395 / 435 | |
| Net Interest Margin | 2.89% | 3.01% | 3.39% | 3.75% | Beats 18% | 357 / 435 | |
| Efficiency Ratio | 86.16% | 65.25% | 71.39% | 77.86% | Beats 5% | 415 / 435 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.93% | 0.45% | 0.69% | 1.05% | Beats 32% | 297 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 8.14% | 9.81% | 10.84% | 12.63% | Beats 4% | 416 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 8.14% | 9.81% | 10.84% | 12.63% | Beats 4% | 416 / 435 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 102.57% | 78.33% | 88.38% | 95.61% | 90th pctl | 42 / 435 | |
| Loans / Assets | 89.91% | 67.69% | 74.58% | 80.80% | 99th pctl | 4 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||