PackageTrendsPeer
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Nova Ua

Clifton, NJ · Charter 13439

NCUA · 2 branches

Q2 2026

$156.4MAssets
$100.8MLoans
$134.2MShares
$21.7MNet 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 0.34%, unchanged from a year ago; NIM at 2.34%.
  • Asset quality: problem loans at 0.17% of loans (+15 bps YoY).
  • Capital: net worth / assets of 13.85%, down 19 bps from a year ago.
  • Funding: loans stand at 75.14% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.34%0 bps YoY

Net Interest Margin (YTD, annualized)

2.34%-1 bps YoY

Efficiency Ratio (YTD, annualized)

87.72%+142 bps YoY

Net Worth / Assets

13.85%-19 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.34%0.36%0.35%0.27%0.34%0 bps
Return on Equity2.41%2.53%2.53%1.95%2.43%+2 bps
Net Interest Margin2.35%2.38%2.35%2.25%2.34%-1 bps
Efficiency Ratio86.30%85.67%85.63%90.91%87.72%+142 bps
Growth
Asset Growth (YoY)3.69%3.41%3.78%4.20%4.02%+34 bps
Loan Growth (YoY)-1.28%1.07%-0.04%-3.32%0.51%+179 bps
Share Growth (YoY)4.51%3.57%3.94%4.80%3.67%-84 bps
Asset Quality
Delinquent Loans / Loans0.02%0.18%0.18%0.35%0.17%+15 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 Capital14.04%14.15%14.00%13.85%13.85%-19 bps
Net Worth / Assets14.04%14.15%14.00%13.85%13.85%-19 bps
Liquidity & Funding
Loans / Shares77.50%80.11%77.23%74.54%75.14%-236 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps