PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

P S E

Somerset, NJ · Charter 12175

NCUA · 1 branch

Q2 2026

$13.5MAssets
$7.0MLoans
$11.5MShares
$1.9MNet 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 0.06%, up 6 bps year over year; NIM at 1.48%.
  • Asset quality: problem loans at 1.03% of loans (-163 bps YoY).
  • Capital: net worth / assets of 13.81%, down 150 bps from a year ago.
  • Funding: loans stand at 61.09% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.06%+6 bps YoY

Net Interest Margin (YTD, annualized)

1.48%+11 bps YoY

Efficiency Ratio (YTD, annualized)

91.03%-868 bps YoY

Net Worth / Assets

13.81%-150 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.00%0.02%0.03%-0.01%0.06%+6 bps
Return on Equity0.03%0.11%0.18%-0.07%0.44%+42 bps
Net Interest Margin1.38%1.35%1.34%1.54%1.48%+11 bps
Efficiency Ratio99.70%98.76%98.03%90.15%91.03%-868 bps
Growth
Asset Growth (YoY)5.19%6.62%7.49%10.45%11.56%+637 bps
Loan Growth (YoY)-1.72%-2.85%-1.80%-2.95%-5.82%-410 bps
Share Growth (YoY)5.48%7.25%6.33%12.44%13.74%+827 bps
Asset Quality
Delinquent Loans / Loans2.65%2.29%2.78%2.37%1.03%-163 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 Capital15.31%15.09%14.95%14.21%13.81%-150 bps
Net Worth / Assets15.31%15.09%14.95%14.21%13.81%-150 bps
Liquidity & Funding
Loans / Shares73.79%71.92%70.65%64.66%61.09%-1,269 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps