Hoboken, NJ · Charter 9075
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
77
Asset Quality
19
Profitability
21
Liquidity
13
Efficiency
25
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.
Hoboken, NJ · Charter 9075
NCUA · 2 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 | 0.41% | -0.20% | -0.27% | 0.01% | -1.20% | -160 bps | |
| Return on Equity | 1.75% | -0.84% | -1.20% | 0.04% | -5.24% | -699 bps | |
| Net Interest Margin | 3.87% | 3.92% | 3.84% | 4.02% | 3.81% | -6 bps | |
| Efficiency Ratio | 87.64% | 88.03% | 90.56% | 98.41% | 96.77% | +912 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.46% | -3.32% | 0.37% | 1.21% | -1.68% | -414 bps | |
| Loan Growth (YoY) | 3.97% | -7.29% | -11.12% | -10.09% | -6.39% | -1,036 bps | |
| Share Growth (YoY) | 3.12% | -4.48% | 0.75% | 1.91% | -1.45% | -457 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.61% | 4.54% | 3.59% | 3.15% | 3.84% | +24 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 | 23.33% | 23.84% | 22.56% | 22.45% | 22.82% | -51 bps | |
| Net Worth / Assets | 23.33% | 23.84% | 22.56% | 22.45% | 22.82% | -51 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 90.54% | 89.64% | 86.66% | 84.82% | 86.00% | -454 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Hoboken, NJ · Charter 9075 · 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
-1.20%
Rank 149 of 159
Net Interest Margin
3.82%
Rank 81 of 159
Efficiency Ratio
96.50%
Rank 119 of 158
Equity / Assets
22.82%
Rank 36 of 159
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.20% | 0.00% | 0.40% | 1.00% | Beats 6% | 149 / 159 | |
| Return on Equity | -5.27% | 0.04% | 2.43% | 6.24% | Beats 8% | 146 / 159 | |
| Net Interest Margin | 3.82% | 2.79% | 3.84% | 4.44% | Beats 49% | 81 / 159 | |
| Efficiency Ratio | 96.50% | 74.21% | 85.84% | 96.50% | Beats 25% | 119 / 158 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 3.85% | 0.42% | 1.27% | 2.96% | Beats 19% | 129 / 158 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 22.82% | 10.80% | 14.61% | 21.35% | Beats 77% | 36 / 159 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 22.82% | 10.80% | 14.61% | 21.35% | Beats 77% | 36 / 159 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 86.00% | 27.85% | 44.27% | 75.14% | 84th pctl | 25 / 159 | |
| Loans / Assets | 64.99% | 22.38% | 35.34% | 62.74% | 79th pctl | 34 / 159 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||