Waldwick, NJ · Charter 9723
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
28
Asset Quality
63
Profitability
24
Liquidity
17
Efficiency
83
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.
Waldwick, NJ · Charter 9723
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 | 0.33% | 0.53% | 0.53% | 0.15% | 0.14% | -18 bps | |
| Return on Equity | 2.80% | 4.50% | 4.52% | 1.31% | 1.28% | -153 bps | |
| Net Interest Margin | 1.63% | 1.64% | 1.64% | 1.12% | 0.92% | -71 bps | |
| Efficiency Ratio | 36.73% | 35.95% | 36.12% | 59.23% | 65.38% | +2,865 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.04% | 7.76% | 6.58% | 6.69% | 7.63% | -141 bps | |
| Loan Growth (YoY) | -7.87% | -7.66% | -5.87% | -8.50% | -5.07% | +280 bps | |
| Share Growth (YoY) | 9.64% | 8.09% | 6.74% | 6.99% | 7.92% | -172 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.86% | 1.05% | 0.91% | 0.94% | 0.87% | +1 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 | 11.63% | 11.78% | 11.72% | 11.42% | 11.23% | -40 bps | |
| Net Worth / Assets | 11.63% | 11.78% | 11.72% | 11.42% | 11.23% | -40 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 23.45% | 23.53% | 22.89% | 20.78% | 20.62% | -282 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Waldwick, NJ · Charter 9723 · 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
0.14%
Rank 107 of 159
Net Interest Margin
0.93%
Rank 155 of 159
Efficiency Ratio
65.57%
Rank 28 of 158
Equity / Assets
11.23%
Rank 115 of 159
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.14% | 0.00% | 0.40% | 1.00% | Beats 33% | 107 / 159 | |
| Return on Equity | 1.26% | 0.04% | 2.43% | 6.24% | Beats 35% | 103 / 159 | |
| Net Interest Margin | 0.93% | 2.79% | 3.84% | 4.44% | Beats 3% | 155 / 159 | |
| Efficiency Ratio | 65.57% | 74.21% | 85.84% | 96.50% | Beats 83% | 28 / 158 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.87% | 0.42% | 1.27% | 2.96% | Beats 63% | 59 / 158 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 11.23% | 10.80% | 14.61% | 21.35% | Beats 28% | 115 / 159 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 11.23% | 10.80% | 14.61% | 21.35% | Beats 28% | 115 / 159 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 20.62% | 27.85% | 44.27% | 75.14% | 18th pctl | 131 / 159 | |
| Loans / Assets | 18.06% | 22.38% | 35.34% | 62.74% | 19th pctl | 128 / 159 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||