Brick, NJ · Charter 9082
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
95
Asset Quality
37
Profitability
58
Liquidity
3
Efficiency
68
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.
Brick, NJ · Charter 9082
NCUA · 1 branch
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 | 1.99% | 1.96% | 1.65% | 0.86% | 0.68% | -131 bps | |
| Return on Equity | 5.37% | 5.13% | 4.34% | 2.20% | 1.71% | -366 bps | |
| Net Interest Margin | 4.42% | 4.58% | 4.40% | 4.17% | 4.27% | -15 bps | |
| Efficiency Ratio | 55.59% | 57.75% | 60.62% | 79.54% | 78.83% | +2,324 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.77% | -6.40% | -5.50% | -4.40% | -3.80% | +197 bps | |
| Loan Growth (YoY) | 6.74% | 1.70% | -0.52% | -8.67% | -13.90% | -2,065 bps | |
| Share Growth (YoY) | -11.61% | -11.83% | -10.77% | -10.01% | -7.46% | +415 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.56% | 0.56% | 0.00% | 0.00% | 1.89% | +133 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 | 37.00% | 38.14% | 38.06% | 39.23% | 39.47% | +247 bps | |
| Net Worth / Assets | 37.00% | 38.14% | 38.06% | 39.23% | 39.47% | +247 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 17.82% | 17.71% | 17.82% | 17.09% | 16.58% | -124 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Brick, NJ · Charter 9082 · 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
0.67%
Rank 60 of 159
Net Interest Margin
4.25%
Rank 49 of 159
Efficiency Ratio
79.22%
Rank 51 of 158
Equity / Assets
39.47%
Rank 8 of 159
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.67% | 0.00% | 0.40% | 1.00% | Beats 62% | 60 / 159 | |
| Return on Equity | 1.70% | 0.04% | 2.43% | 6.24% | Beats 42% | 93 / 159 | |
| Net Interest Margin | 4.25% | 2.79% | 3.84% | 4.44% | Beats 69% | 49 / 159 | |
| Efficiency Ratio | 79.22% | 74.21% | 85.84% | 96.50% | Beats 68% | 51 / 158 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.96% | 0.42% | 1.27% | 2.96% | Beats 37% | 100 / 158 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 39.47% | 10.80% | 14.61% | 21.35% | Beats 95% | 8 / 159 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 39.47% | 10.80% | 14.61% | 21.35% | Beats 95% | 8 / 159 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 16.58% | 27.85% | 44.27% | 75.14% | 11th pctl | 142 / 159 | |
| Loans / Assets | 10.01% | 22.38% | 35.34% | 62.74% | 7th pctl | 148 / 159 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||