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Letter portraitLegal landscapeQuarterYTD

County Excellence

Roselle Park, NJ · Charter 120

NCUA · 2 branches

Q2 2026

$137.9MAssets
$72.3MLoans
$126.5MShares
$11.7MNet 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 0.74%, up 23 bps year over year; NIM at 3.99%.
  • Asset quality: problem loans at 1.37% of loans (+47 bps YoY).
  • Capital: net worth / assets of 8.45%, down 11 bps from a year ago.
  • Funding: loans stand at 57.19% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.74%+23 bps YoY

Net Interest Margin (YTD, annualized)

3.99%+24 bps YoY

Efficiency Ratio (YTD, annualized)

75.56%-1,274 bps YoY

Net Worth / Assets

8.45%-11 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.51%0.55%0.50%0.83%0.74%+23 bps
Return on Equity5.99%6.13%5.84%9.75%8.78%+279 bps
Net Interest Margin3.75%3.97%3.89%4.02%3.99%+24 bps
Efficiency Ratio88.31%85.98%85.70%75.21%75.56%-1,274 bps
Growth
Asset Growth (YoY)4.90%6.21%5.86%6.77%9.09%+419 bps
Loan Growth (YoY)28.62%39.77%37.19%32.29%19.46%-916 bps
Share Growth (YoY)4.86%6.38%5.84%6.65%9.24%+438 bps
Asset Quality
Delinquent Loans / Loans0.90%1.26%1.34%1.24%1.37%+47 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 Capital8.56%8.90%8.63%8.52%8.45%-11 bps
Net Worth / Assets8.56%8.90%8.63%8.52%8.45%-11 bps
Liquidity & Funding
Loans / Shares52.30%59.09%58.67%58.22%57.19%+489 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps