PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Central Jersey

Woodbridge, NJ · Charter 1108

NCUA · 1 branch

Q2 2026

$93.2MAssets
$44.1MLoans
$82.2MShares
$9.9MNet Worth

Executive Summary

  • Earnings: ROA of 0.66%, up 20 bps year over year; NIM at 3.74%.
  • Asset quality: problem loans at 0.98% of loans (+21 bps YoY).
  • Capital: net worth / assets of 10.58%, up 100 bps from a year ago.
  • Funding: loans stand at 53.68% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.66%+20 bps YoY

Net Interest Margin (YTD, annualized)

3.74%+22 bps YoY

Efficiency Ratio (YTD, annualized)

85.23%-14 bps YoY

Net Worth / Assets

10.58%+100 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.50%0.55%0.23%0.46%0.43%0.69%0.64%0.66%+20 bps
Return on Equity5.07%5.66%2.43%4.79%4.19%6.62%6.26%6.23%+145 bps
Net Interest Margin3.74%3.66%3.45%3.52%3.72%3.64%3.57%3.74%+22 bps
Efficiency Ratio80.78%80.17%87.96%85.37%87.75%83.96%85.10%85.23%-14 bps
Growth
Asset Growth (YoY)-7.96%-6.15%-2.67%-0.65%-0.51%-0.68%-1.40%-3.13%-248 bps
Loan Growth (YoY)2.89%0.03%3.31%3.68%1.55%4.36%0.91%0.41%-327 bps
Share Growth (YoY)-9.43%-7.40%-3.51%-1.49%-1.75%-1.74%-2.52%-4.03%-255 bps
Asset Quality
Delinquent Loans / Loans0.75%0.63%0.51%0.77%1.14%0.68%0.73%0.98%+21 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 Capital9.76%9.74%9.46%9.58%10.24%10.41%10.29%10.58%+100 bps
Net Worth / Assets9.76%9.74%9.46%9.58%10.24%10.41%10.29%10.58%+100 bps
Liquidity & Funding
Loans / Shares53.93%51.90%50.54%51.31%55.74%55.13%52.32%53.68%+238 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps