Newark, NJ · Charter 8993
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
72
Asset Quality
46
Profitability
63
Liquidity
17
Efficiency
92
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 8993
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 | 0.23% | 0.36% | -0.22% | 0.43% | 0.51% | 0.78% | 1.22% | 1.32% | +89 bps | |
| Return on Equity | 1.28% | 1.90% | -1.13% | 2.22% | 2.57% | 3.78% | 5.83% | 6.53% | +431 bps | |
| Net Interest Margin | 1.99% | 2.09% | 2.29% | 2.42% | 2.44% | 2.60% | 2.97% | 2.94% | +52 bps | |
| Efficiency Ratio | 76.44% | 72.61% | 72.82% | 65.12% | 67.36% | 61.95% | 59.16% | 55.28% | -984 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.89% | -2.90% | -3.66% | -1.30% | -5.79% | -5.59% | -4.41% | 0.63% | +193 bps | |
| Loan Growth (YoY) | 24.89% | 21.31% | 14.33% | 5.82% | 0.24% | 6.75% | 8.27% | 6.13% | +31 bps | |
| Share Growth (YoY) | -3.42% | -4.04% | -4.83% | -2.24% | -8.06% | -7.83% | -6.94% | -1.46% | +78 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.68% | 2.79% | 1.06% | 1.35% | 1.35% | 0.97% | 0.99% | 1.39% | +4 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.26% | 18.68% | 18.96% | 19.25% | 19.96% | 20.56% | 20.86% | 20.21% | +96 bps | |
| Net Worth / Assets | 18.26% | 18.68% | 18.96% | 19.25% | 19.96% | 20.56% | 20.86% | 20.21% | +96 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 18.03% | 18.37% | 18.43% | 19.16% | 19.66% | 21.28% | 21.44% | 20.64% | +148 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Newark, NJ · Charter 8993 · 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
1.31%
Rank 24 of 159
Net Interest Margin
2.93%
Rank 114 of 159
Efficiency Ratio
55.44%
Rank 13 of 158
Equity / Assets
20.21%
Rank 45 of 159
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.31% | 0.00% | 0.40% | 1.00% | Beats 85% | 24 / 159 | ||
| Return on Equity | 6.50% | 0.04% | 2.43% | 6.24% | Beats 75% | 39 / 159 | ||
| Net Interest Margin | 2.93% | 2.79% | 3.84% | 4.44% | Beats 28% | 114 / 159 | ||
| Efficiency Ratio | 55.44% | 74.21% | 85.84% | 96.50% | Beats 92% | 13 / 158 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.41% | 0.42% | 1.27% | 2.96% | Beats 46% | 87 / 158 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 20.21% | 10.80% | 14.61% | 21.35% | Beats 72% | 45 / 159 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 20.21% | 10.80% | 14.61% | 21.35% | Beats 72% | 45 / 159 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 20.64% | 27.85% | 44.27% | 75.14% | 18th pctl | 130 / 159 | ||
| Loans / Assets | 16.22% | 22.38% | 35.34% | 62.74% | 16th pctl | 133 / 159 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||