PackageTrendsPeer
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Edifi

Rancocas, NJ · Charter 12679

NCUA · 7 branches

Q2 2026

$262.4MAssets
$133.0MLoans
$246.8MShares
$24.3MNet 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 0.55%, up 42 bps year over year; NIM at 3.67%.
  • Asset quality: problem loans at 0.72% of loans (+16 bps YoY).
  • Capital: net worth / assets of 9.27%, up 66 bps from a year ago.
  • Funding: loans stand at 53.88% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.55%+42 bps YoY

Net Interest Margin (YTD, annualized)

3.67%+30 bps YoY

Efficiency Ratio (YTD, annualized)

86.48%-608 bps YoY

Net Worth / Assets

9.27%+66 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.13%0.71%0.68%0.05%0.55%+42 bps
Return on Equity1.48%7.68%7.31%0.51%5.93%+445 bps
Net Interest Margin3.37%3.46%3.44%3.58%3.67%+30 bps
Efficiency Ratio92.56%82.52%84.18%93.73%86.48%-608 bps
Growth
Asset Growth (YoY)1.96%5.38%2.45%3.03%2.51%+55 bps
Loan Growth (YoY)2.64%3.06%2.45%1.47%1.23%-141 bps
Share Growth (YoY)4.27%8.34%4.04%3.36%1.22%-305 bps
Asset Quality
Delinquent Loans / Loans0.56%0.43%0.35%0.51%0.72%+16 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 Capital8.61%9.19%9.31%9.14%9.27%+66 bps
Net Worth / Assets8.61%9.19%9.31%9.14%9.27%+66 bps
Liquidity & Funding
Loans / Shares53.87%55.82%55.14%53.42%53.88%+1 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps