New Brunswick, NJ · Charter 9237
NCUA · 3 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
39
Asset Quality
77
Profitability
82
Liquidity
56
Efficiency
81
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 9237
NCUA · 3 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 | 1.24% | 1.21% | 1.29% | 1.37% | 1.54% | +30 bps | |
| Return on Equity | 11.31% | 10.83% | 11.08% | 11.81% | 12.17% | +85 bps | |
| Net Interest Margin | 3.56% | 3.53% | 3.66% | 3.87% | 4.17% | +61 bps | |
| Efficiency Ratio | 67.58% | 69.84% | 67.95% | 70.45% | 68.33% | +75 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.87% | -1.66% | -2.91% | 0.59% | -1.91% | +195 bps | |
| Loan Growth (YoY) | -6.05% | -8.20% | -8.29% | -7.55% | -9.61% | -356 bps | |
| Share Growth (YoY) | -4.88% | -4.99% | -4.65% | -1.72% | -3.88% | +100 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.18% | 0.24% | 0.27% | 0.15% | 0.39% | +21 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 | 10.98% | 11.14% | 11.65% | 11.64% | 12.64% | +166 bps | |
| Net Worth / Assets | 10.98% | 11.14% | 11.65% | 11.64% | 12.64% | +166 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 33.58% | 33.08% | 31.84% | 31.02% | 31.58% | -200 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
New Brunswick, NJ · Charter 9237 · Peer group: credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=158-159)
NCUA · 3 branches
Q2 2026
Return on Assets
1.54%
Rank 20 of 159
Net Interest Margin
4.17%
Rank 53 of 159
Efficiency Ratio
68.32%
Rank 31 of 158
Equity / Assets
12.64%
Rank 97 of 159
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.54% | 0.00% | 0.40% | 1.00% | Beats 87% | 20 / 159 | |
| Return on Equity | 12.16% | 0.04% | 2.43% | 6.24% | Beats 92% | 12 / 159 | |
| Net Interest Margin | 4.17% | 2.79% | 3.84% | 4.44% | Beats 67% | 53 / 159 | |
| Efficiency Ratio | 68.32% | 74.21% | 85.84% | 96.50% | Beats 81% | 31 / 158 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.39% | 0.42% | 1.27% | 2.96% | Beats 77% | 37 / 158 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 12.64% | 10.80% | 14.61% | 21.35% | Beats 39% | 97 / 159 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 12.64% | 10.80% | 14.61% | 21.35% | Beats 39% | 97 / 159 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 31.58% | 27.85% | 44.27% | 75.14% | 32nd pctl | 108 / 159 | |
| Loans / Assets | 27.33% | 22.38% | 35.34% | 62.74% | 34th pctl | 105 / 159 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||