Passaic, NJ · Charter 12227
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 | 1.21% | 1.29% | 2.07% | 1.63% | 0.12% | 0.49% | -3.47% | 2.02% | +39 bps | |
| Return on Equity | 9.20% | 9.22% | 14.15% | 10.85% | 0.83% | 3.26% | -22.72% | 13.16% | +230 bps | |
| Net Interest Margin | 2.36% | 2.05% | 2.52% | 1.96% | 2.03% | 1.82% | 2.95% | 2.48% | +52 bps | |
| Efficiency Ratio | 31.22% | 36.14% | 20.91% | 20.83% | 81.97% | 50.58% | n/a | 19.75% | -107 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.03% | -8.95% | -5.49% | -5.58% | -1.50% | 1.68% | 5.60% | 8.75% | +1,433 bps | |
| Loan Growth (YoY) | 9.14% | 6.58% | 4.85% | 5.82% | 5.56% | 2.31% | 3.10% | 0.91% | -491 bps | |
| Share Growth (YoY) | -16.76% | -13.59% | -9.81% | -10.09% | -4.39% | -0.89% | 3.74% | 7.49% | +1,759 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.63% | 0.52% | 0.30% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 3.27% | 3.44% | 3.78% | 4.03% | 4.07% | 4.19% | 4.31% | 4.17% | +14 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.20% | 13.97% | 14.64% | 15.04% | 15.01% | 15.02% | 15.28% | 15.38% | +34 bps | |
| Net Worth / Assets | 13.20% | 13.97% | 14.64% | 15.04% | 15.01% | 15.02% | 15.28% | 15.38% | +34 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 32.64% | 34.25% | 34.24% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |