Kearny, NJ · Charter 10614
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.54% | -0.73% | -0.72% | 0.25% | 0.03% | +57 bps | |
| Return on Equity | -2.60% | -3.10% | -2.73% | 0.96% | 0.11% | +271 bps | |
| Net Interest Margin | 1.03% | 0.99% | 1.23% | 2.12% | 2.05% | +101 bps | |
| Efficiency Ratio | 152.59% | 173.34% | 158.50% | 88.02% | 98.60% | -5,399 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -12.47% | -21.88% | -25.86% | -26.84% | -20.88% | -841 bps | |
| Loan Growth (YoY) | -17.07% | -15.25% | -13.06% | -6.25% | -2.03% | +1,505 bps | |
| Share Growth (YoY) | -11.64% | -21.77% | -31.58% | -32.87% | -26.06% | -1,441 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.03% | 5.76% | 7.20% | 1.31% | 6.07% | +204 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 5.69% | 5.78% | 5.94% | 5.86% | 4.83% | -86 bps | |
| Capital | |||||||
| Risk-Based Capital | 20.97% | 23.57% | 26.31% | 26.47% | 26.11% | +515 bps | |
| Net Worth / Assets | 20.97% | 23.57% | 26.31% | 26.47% | 26.11% | +515 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 14.65% | 16.96% | 19.19% | 19.56% | 19.41% | +476 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |