Swedesboro, NJ · Charter 1166
NCUA · 2 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.50% | -1.18% | 0.14% | 0.10% | -0.07% | 0.02% | 0.07% | 0.30% | +19 bps | |
| Return on Equity | -19.92% | -14.88% | 1.75% | 1.19% | -0.77% | 0.28% | 0.86% | 3.26% | +207 bps | |
| Net Interest Margin | 2.40% | 2.70% | 3.39% | 3.62% | 3.67% | 3.73% | 3.81% | 4.17% | +55 bps | |
| Efficiency Ratio | 127.72% | 119.31% | 96.43% | 97.66% | 101.49% | 99.46% | 98.43% | 92.51% | -515 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.01% | -3.28% | -7.71% | -11.63% | -13.65% | -7.73% | -0.19% | -4.20% | +743 bps | |
| Loan Growth (YoY) | 5.06% | 2.03% | -3.22% | -2.61% | 5.22% | 13.98% | 20.26% | 18.63% | +2,124 bps | |
| Share Growth (YoY) | 1.58% | 0.94% | -7.87% | -13.18% | -15.25% | -8.41% | -0.85% | -4.33% | +885 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.45% | 0.35% | 0.27% | 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 | 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 | 7.54% | 7.93% | 8.20% | 8.65% | 8.69% | 8.60% | 8.19% | 9.13% | +48 bps | |
| Net Worth / Assets | 7.54% | 7.93% | 8.20% | 8.65% | 8.69% | 8.60% | 8.19% | 9.13% | +48 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 41.11% | 42.89% | 43.75% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |