PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

East Orange Firemens

Bloomfield, NJ · Charter 11014

NCUA · 1 branch

Q2 2026

$9.9MAssets
$4.6MLoans
$7.3MShares
$2.6MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.03%, down 21 bps year over year; NIM at 4.16%.
  • Asset quality: problem loans at 8.37% of loans (+107 bps YoY).
  • Capital: net worth / assets of 26.34%, down 104 bps from a year ago.
  • Funding: loans stand at 62.69% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.03%-21 bps YoY

Net Interest Margin (YTD, annualized)

4.16%-3 bps YoY

Efficiency Ratio (YTD, annualized)

63.58%-396 bps YoY

Net Worth / Assets

26.34%-104 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.24%1.29%0.61%0.84%1.03%-21 bps
Return on Equity4.53%4.81%2.29%3.25%3.92%-60 bps
Net Interest Margin4.19%4.11%4.05%3.73%4.16%-3 bps
Efficiency Ratio67.54%65.60%66.68%74.44%63.58%-396 bps
Growth
Asset Growth (YoY)3.93%6.12%-0.60%1.95%6.06%+213 bps
Loan Growth (YoY)-17.45%-15.53%-12.76%-10.09%-11.84%+560 bps
Share Growth (YoY)3.31%6.46%-1.67%1.85%7.56%+425 bps
Asset Quality
Delinquent Loans / Loans7.30%6.09%5.77%7.55%8.37%+107 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital27.39%26.92%26.59%25.91%26.34%-104 bps
Net Worth / Assets27.39%26.92%26.59%25.91%26.34%-104 bps
Liquidity & Funding
Loans / Shares76.49%71.46%68.71%63.74%62.69%-1,380 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps