Totowa, NJ · Charter 1015
NCUA · 3 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.11% | 0.07% | 0.02% | 0.26% | 0.35% | 0.19% | 0.78% | 0.58% | +32 bps | |
| Return on Equity | 0.97% | 0.64% | 0.21% | 2.38% | 3.29% | 1.89% | 7.50% | 5.48% | +310 bps | |
| Net Interest Margin | 3.61% | 3.57% | 3.52% | 3.64% | 3.53% | 3.51% | 3.76% | 3.90% | +26 bps | |
| Efficiency Ratio | 89.79% | 90.55% | 92.12% | 90.98% | 88.29% | 90.44% | 80.80% | 85.23% | -574 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.50% | -0.04% | -1.38% | -1.43% | 8.60% | 8.64% | 9.65% | 9.96% | +1,139 bps | |
| Loan Growth (YoY) | -0.06% | 1.40% | -0.19% | -2.61% | 4.63% | 2.25% | 2.21% | 1.38% | +399 bps | |
| Share Growth (YoY) | -3.95% | -0.81% | -2.50% | -3.01% | 8.03% | 7.71% | 9.00% | 9.67% | +1,267 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.16% | 1.21% | 1.13% | 0.80% | 0.72% | 1.10% | 0.77% | 0.89% | +9 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 | 10.83% | 10.64% | 10.57% | 10.77% | 10.60% | 10.14% | 10.41% | 10.55% | -22 bps | |
| Net Worth / Assets | 10.83% | 10.64% | 10.57% | 10.77% | 10.60% | 10.14% | 10.41% | 10.55% | -22 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.03% | 69.83% | 68.17% | 68.06% | 67.82% | 66.29% | 63.92% | 62.92% | -514 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |