East Orange, NJ · Charter 11604
NCUA · 2 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.46% | 0.37% | 0.32% | 0.00% | 0.09% | -37 bps | |
| Return on Equity | 3.74% | 3.00% | 2.68% | -0.03% | 0.74% | -300 bps | |
| Net Interest Margin | 3.23% | 3.22% | 3.39% | 3.17% | 3.43% | +20 bps | |
| Efficiency Ratio | 86.38% | 86.79% | 85.49% | 85.11% | 85.51% | -87 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.40% | -4.75% | -4.66% | -2.77% | 1.29% | +569 bps | |
| Loan Growth (YoY) | -4.53% | -5.41% | -8.65% | -13.46% | -16.24% | -1,171 bps | |
| Share Growth (YoY) | -5.39% | -5.72% | -5.61% | -3.35% | 1.36% | +674 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.80% | 1.22% | 2.18% | 1.53% | 1.27% | +48 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.18% | 12.45% | 12.09% | 11.84% | 11.85% | -33 bps | |
| Net Worth / Assets | 12.18% | 12.45% | 12.09% | 11.84% | 11.85% | -33 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 53.15% | 53.59% | 50.66% | 46.63% | 43.93% | -923 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |