Roselle Park, NJ · Charter 120
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 | 0.25% | 0.22% | 0.48% | 0.51% | 0.55% | 0.50% | 0.83% | 0.74% | +23 bps | |
| Return on Equity | 2.77% | 2.53% | 5.68% | 5.99% | 6.13% | 5.84% | 9.75% | 8.78% | +279 bps | |
| Net Interest Margin | 3.55% | 3.42% | 3.62% | 3.75% | 3.97% | 3.89% | 4.02% | 3.99% | +24 bps | |
| Efficiency Ratio | 85.75% | 87.63% | 88.66% | 88.31% | 85.98% | 85.70% | 75.21% | 75.56% | -1,274 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.66% | -0.74% | 3.80% | 4.90% | 6.21% | 5.86% | 6.77% | 9.09% | +419 bps | |
| Loan Growth (YoY) | 9.70% | 14.67% | 20.99% | 28.62% | 39.77% | 37.19% | 32.29% | 19.46% | -916 bps | |
| Share Growth (YoY) | -5.29% | -1.03% | 3.78% | 4.86% | 6.38% | 5.84% | 6.65% | 9.24% | +438 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.35% | 1.11% | 0.93% | 0.90% | 1.26% | 1.34% | 1.24% | 1.37% | +47 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 | 8.98% | 8.60% | 8.48% | 8.56% | 8.90% | 8.63% | 8.52% | 8.45% | -11 bps | |
| Net Worth / Assets | 8.98% | 8.60% | 8.48% | 8.56% | 8.90% | 8.63% | 8.52% | 8.45% | -11 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 44.97% | 45.27% | 46.93% | 52.30% | 59.09% | 58.67% | 58.22% | 57.19% | +489 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |