Middlesex, NJ · Charter 11779
NCUA · 1 branch
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 | 0.20% | 0.32% | 0.43% | 0.58% | 0.76% | 0.89% | 1.31% | 1.33% | +75 bps | |
| Return on Equity | 1.38% | 2.25% | 3.01% | 3.91% | 5.03% | 5.85% | 8.46% | 8.34% | +443 bps | |
| Net Interest Margin | 2.24% | 2.30% | 2.54% | 2.57% | 2.61% | 2.66% | 2.95% | 3.01% | +44 bps | |
| Efficiency Ratio | 87.69% | 83.33% | 74.15% | 69.02% | 67.09% | 65.08% | 61.17% | 61.39% | -763 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.78% | -5.06% | -3.51% | -2.47% | -0.53% | -0.83% | 0.56% | 0.86% | +333 bps | |
| Loan Growth (YoY) | 0.61% | -8.59% | -12.40% | -16.67% | -20.65% | -19.86% | -17.39% | -11.75% | +492 bps | |
| Share Growth (YoY) | -6.99% | -6.42% | -4.67% | -3.47% | -1.32% | -1.86% | -0.46% | -0.34% | +313 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.02% | 1.05% | 0.77% | 0.75% | 0.30% | 0.41% | 0.77% | 1.24% | +48 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 | 14.21% | 14.28% | 14.44% | 14.77% | 15.03% | 15.29% | 15.47% | 15.91% | +114 bps | |
| Net Worth / Assets | 14.21% | 14.28% | 14.44% | 14.77% | 15.03% | 15.29% | 15.47% | 15.91% | +114 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 51.97% | 50.03% | 46.64% | 44.24% | 41.79% | 40.86% | 38.71% | 39.17% | -507 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |