PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Public Service

Middlesex, NJ · Charter 11779

NCUA · 1 branch

Q2 2026

$40.4MAssets
$13.3MLoans
$33.9MShares
$6.4MNet 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 1.33%, up 75 bps year over year; NIM at 3.01%.
  • Asset quality: problem loans at 1.24% of loans (+48 bps YoY).
  • Capital: net worth / assets of 15.91%, up 114 bps from a year ago.
  • Funding: loans stand at 39.17% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.33%+75 bps YoY

Net Interest Margin (quarter, annualized)

3.01%+44 bps YoY

Efficiency Ratio (quarter, annualized)

61.39%-763 bps YoY

Net Worth / Assets

15.91%+114 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.58%0.76%0.89%1.31%1.33%+75 bps
Return on Equity3.91%5.03%5.85%8.46%8.34%+443 bps
Net Interest Margin2.57%2.61%2.66%2.95%3.01%+44 bps
Efficiency Ratio69.02%67.09%65.08%61.17%61.39%-763 bps
Growth
Asset Growth (YoY)-2.47%-0.53%-0.83%0.56%0.86%+333 bps
Loan Growth (YoY)-16.67%-20.65%-19.86%-17.39%-11.75%+492 bps
Share Growth (YoY)-3.47%-1.32%-1.86%-0.46%-0.34%+313 bps
Asset Quality
Delinquent Loans / Loans0.75%0.30%0.41%0.77%1.24%+48 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 Capital14.77%15.03%15.29%15.47%15.91%+114 bps
Net Worth / Assets14.77%15.03%15.29%15.47%15.91%+114 bps
Liquidity & Funding
Loans / Shares44.24%41.79%40.86%38.71%39.17%-507 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps