New Brunswick, NJ · Charter 9146
NCUA · 4 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
74
Asset Quality
73
Profitability
24
Liquidity
77
Efficiency
49
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.
New Brunswick, NJ · Charter 9146
NCUA · 4 branches
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 | -0.40% | -0.44% | -0.22% | 0.05% | 0.25% | -0.29% | -0.23% | 0.13% | +9 bps | |
| Return on Equity | -1.91% | -2.05% | -1.13% | 0.23% | 1.14% | -1.33% | -1.16% | 0.64% | +41 bps | |
| Net Interest Margin | 1.43% | 1.48% | 1.68% | 1.70% | 1.77% | 1.78% | 1.76% | 2.09% | +39 bps | |
| Efficiency Ratio | 124.92% | 125.94% | 111.96% | 96.50% | 86.77% | 111.19% | 94.78% | 86.18% | -1,032 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.46% | -12.15% | -4.04% | -3.78% | -3.89% | -4.83% | -4.84% | -2.43% | +134 bps | |
| Loan Growth (YoY) | -4.45% | -10.65% | -16.11% | -14.73% | -3.82% | 7.71% | 19.69% | 42.91% | +5,764 bps | |
| Share Growth (YoY) | -14.49% | -11.64% | -7.01% | -5.54% | -6.40% | -7.27% | -6.48% | -3.00% | +254 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.20% | 0.45% | 0.07% | 0.07% | 0.11% | 0.45% | 0.50% | 0.54% | +46 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 | 20.93% | 21.18% | 19.22% | 20.83% | 21.82% | 21.95% | 19.91% | 21.09% | +27 bps | |
| Net Worth / Assets | 20.93% | 21.18% | 19.22% | 20.83% | 21.82% | 21.95% | 19.91% | 21.09% | +27 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 28.02% | 27.28% | 22.58% | 25.56% | 28.79% | 31.69% | 28.90% | 37.66% | +1,210 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
New Brunswick, NJ · Charter 9146 · Peer group: credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=158-159)
NCUA · 4 branches
Q2 2026
Return on Assets
0.13%
Rank 109 of 159
Net Interest Margin
2.09%
Rank 143 of 159
Efficiency Ratio
86.30%
Rank 82 of 158
Equity / Assets
21.10%
Rank 41 of 159
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.13% | 0.00% | 0.40% | 1.00% | Beats 31% | 109 / 159 | ||
| Return on Equity | 0.64% | 0.04% | 2.43% | 6.24% | Beats 30% | 112 / 159 | ||
| Net Interest Margin | 2.09% | 2.79% | 3.84% | 4.44% | Beats 10% | 143 / 159 | ||
| Efficiency Ratio | 86.30% | 74.21% | 85.84% | 96.50% | Beats 49% | 82 / 158 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.54% | 0.42% | 1.27% | 2.96% | Beats 73% | 43 / 158 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 21.10% | 10.80% | 14.61% | 21.35% | Beats 74% | 41 / 159 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 21.10% | 10.80% | 14.61% | 21.35% | Beats 74% | 41 / 159 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 37.66% | 27.85% | 44.27% | 75.14% | 41st pctl | 94 / 159 | ||
| Loans / Assets | 30.29% | 22.38% | 35.34% | 62.74% | 40th pctl | 96 / 159 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||