Freehold, NJ · Charter 1021
NCUA · 4 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 | 0.72% | 0.72% | 0.90% | 0.31% | 0.40% | -31 bps | |
| Return on Equity | 9.77% | 9.09% | 11.28% | 3.74% | 4.84% | -493 bps | |
| Net Interest Margin | 4.09% | 4.35% | 4.23% | 4.14% | 4.19% | +10 bps | |
| Efficiency Ratio | 86.03% | 86.63% | 83.21% | 93.74% | 91.91% | +587 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.17% | -4.18% | -3.66% | -4.65% | -3.79% | +38 bps | |
| Loan Growth (YoY) | -0.35% | -1.92% | -3.88% | -2.22% | 1.26% | +161 bps | |
| Share Growth (YoY) | -6.24% | -6.02% | -5.57% | -6.35% | -5.34% | +89 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.36% | 3.29% | 2.97% | 2.86% | 2.78% | -59 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 | 7.32% | 7.90% | 7.97% | 8.16% | 8.27% | +96 bps | |
| Net Worth / Assets | 7.32% | 7.90% | 7.97% | 8.16% | 8.27% | +96 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 63.54% | 67.26% | 63.74% | 65.40% | 67.97% | +443 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 99.12% | 0.00% | 99.75% | +9,975 bps | |