Passaic, NJ · Charter 12227
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.63% | 0.12% | 0.49% | -3.47% | 2.02% | +39 bps | |
| Return on Equity | 10.85% | 0.83% | 3.26% | -22.72% | 13.16% | +230 bps | |
| Net Interest Margin | 1.96% | 2.03% | 1.82% | 2.95% | 2.48% | +52 bps | |
| Efficiency Ratio | 20.83% | 81.97% | 50.58% | n/a | 19.75% | -107 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.58% | -1.50% | 1.68% | 5.60% | 8.75% | +1,433 bps | |
| Loan Growth (YoY) | 5.82% | 5.56% | 2.31% | 3.10% | 0.91% | -491 bps | |
| Share Growth (YoY) | -10.09% | -4.39% | -0.89% | 3.74% | 7.49% | +1,759 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.29% | 1.85% | 1.77% | 1.51% | 2.51% | +122 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.03% | 4.07% | 4.19% | 4.31% | 4.17% | +14 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.04% | 15.01% | 15.02% | 15.28% | 15.38% | +34 bps | |
| Net Worth / Assets | 15.04% | 15.01% | 15.02% | 15.28% | 15.38% | +34 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 34.39% | 36.04% | 35.36% | 34.03% | 32.29% | -211 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |