Bloomfield, NJ · Charter 1131
NCUA · 2 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.09% | 0.09% | 0.03% | 0.18% | 0.30% | 0.30% | 0.12% | 0.25% | +7 bps | |
| Return on Equity | 1.18% | 1.11% | 0.38% | 2.48% | 3.93% | 3.77% | 1.50% | 3.12% | +63 bps | |
| Net Interest Margin | 4.26% | 4.38% | 3.75% | 3.73% | 3.98% | 4.12% | 3.96% | 3.91% | +18 bps | |
| Efficiency Ratio | 73.72% | 77.51% | 96.87% | 94.92% | 93.15% | 92.22% | 95.70% | 94.09% | -83 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.07% | -6.45% | -6.97% | -0.25% | -0.20% | 0.86% | -1.48% | -6.40% | -615 bps | |
| Loan Growth (YoY) | -17.52% | -19.00% | -21.48% | -14.95% | -16.34% | -17.60% | -19.05% | -19.51% | -455 bps | |
| Share Growth (YoY) | -6.49% | -6.87% | -7.36% | -3.25% | 0.99% | -1.45% | -1.85% | -4.96% | -171 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.91% | 1.15% | 2.22% | 0.51% | 0.16% | 0.21% | 0.65% | 0.19% | -32 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.43% | 7.80% | 7.45% | 7.15% | 7.66% | 8.00% | 7.88% | 7.97% | +81 bps | |
| Net Worth / Assets | 7.43% | 7.80% | 7.45% | 7.15% | 7.66% | 8.00% | 7.88% | 7.97% | +81 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 44.77% | 42.21% | 37.52% | 36.79% | 37.09% | 35.29% | 30.94% | 31.16% | -563 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |