Swedesboro, NJ · Charter 1166
NCUA · 2 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.10% | -0.07% | 0.02% | 0.07% | 0.30% | +19 bps | |
| Return on Equity | 1.19% | -0.77% | 0.28% | 0.86% | 3.26% | +207 bps | |
| Net Interest Margin | 3.62% | 3.67% | 3.73% | 3.81% | 4.17% | +55 bps | |
| Efficiency Ratio | 97.66% | 101.49% | 99.46% | 98.43% | 92.51% | -515 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -11.63% | -13.65% | -7.73% | -0.19% | -4.20% | +743 bps | |
| Loan Growth (YoY) | -2.61% | 5.22% | 13.98% | 20.26% | 18.63% | +2,124 bps | |
| Share Growth (YoY) | -13.18% | -15.25% | -8.41% | -0.85% | -4.33% | +885 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.32% | 0.25% | 0.38% | 0.23% | 0.27% | -5 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 | 8.65% | 8.69% | 8.60% | 8.19% | 9.13% | +48 bps | |
| Net Worth / Assets | 8.65% | 8.69% | 8.60% | 8.19% | 9.13% | +48 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 47.70% | 51.03% | 53.37% | 53.06% | 59.15% | +1,145 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |