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Letter portraitLegal landscapeQuarterYTD

Essex County Teachers

Bloomfield, NJ · Charter 1131

NCUA · 2 branches

Q2 2026

$21.8MAssets
$6.1MLoans
$19.6MShares
$1.7MNet 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 0.25%, up 7 bps year over year; NIM at 3.91%.
  • Asset quality: problem loans at 0.19% of loans (-32 bps YoY).
  • Capital: net worth / assets of 7.97%, up 81 bps from a year ago.
  • Funding: loans stand at 31.16% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.25%+7 bps YoY

Net Interest Margin (quarter, annualized)

3.91%+18 bps YoY

Efficiency Ratio (quarter, annualized)

94.09%-83 bps YoY

Net Worth / Assets

7.97%+81 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.18%0.30%0.30%0.12%0.25%+7 bps
Return on Equity2.48%3.93%3.77%1.50%3.12%+63 bps
Net Interest Margin3.73%3.98%4.12%3.96%3.91%+18 bps
Efficiency Ratio94.92%93.15%92.22%95.70%94.09%-83 bps
Growth
Asset Growth (YoY)-0.25%-0.20%0.86%-1.48%-6.40%-615 bps
Loan Growth (YoY)-14.95%-16.34%-17.60%-19.05%-19.51%-455 bps
Share Growth (YoY)-3.25%0.99%-1.45%-1.85%-4.96%-171 bps
Asset Quality
Delinquent Loans / Loans0.51%0.16%0.21%0.65%0.19%-32 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 Capital7.15%7.66%8.00%7.88%7.97%+81 bps
Net Worth / Assets7.15%7.66%8.00%7.88%7.97%+81 bps
Liquidity & Funding
Loans / Shares36.79%37.09%35.29%30.94%31.16%-563 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps