PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

North Jersey

Totowa, NJ · Charter 1015

NCUA · 3 branches

Q2 2026

$255.6MAssets
$147.6MLoans
$234.6MShares
$27.0MNet Worth

Executive Summary

  • Earnings: ROA of 0.58%, up 32 bps year over year; NIM at 3.90%.
  • Asset quality: problem loans at 0.89% of loans (+9 bps YoY).
  • Capital: net worth / assets of 10.55%, down 22 bps from a year ago.
  • Funding: loans stand at 62.92% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.58%+32 bps YoY

Net Interest Margin (YTD, annualized)

3.90%+26 bps YoY

Efficiency Ratio (YTD, annualized)

85.23%-574 bps YoY

Net Worth / Assets

10.55%-22 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.11%0.07%0.02%0.26%0.35%0.19%0.78%0.58%+32 bps
Return on Equity0.97%0.64%0.21%2.38%3.29%1.89%7.50%5.48%+310 bps
Net Interest Margin3.61%3.57%3.52%3.64%3.53%3.51%3.76%3.90%+26 bps
Efficiency Ratio89.79%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 / Loans1.16%1.21%1.13%0.80%0.72%1.10%0.77%0.89%+9 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.83%10.64%10.57%10.77%10.60%10.14%10.41%10.55%-22 bps
Net Worth / Assets10.83%10.64%10.57%10.77%10.60%10.14%10.41%10.55%-22 bps
Liquidity & Funding
Loans / Shares70.03%69.83%68.17%68.06%67.82%66.29%63.92%62.92%-514 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps