Hamilton Square, NJ · Charter 1351
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.09% | 2.18% | 2.12% | 1.92% | 1.97% | -12 bps | |
| Return on Equity | 15.97% | 15.64% | 15.17% | 13.65% | 13.90% | -207 bps | |
| Net Interest Margin | 3.64% | 3.78% | 3.66% | 3.52% | 3.45% | -19 bps | |
| Efficiency Ratio | 47.58% | 47.20% | 46.84% | 46.89% | 46.39% | -118 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.77% | 7.82% | 8.27% | 6.69% | 7.03% | +126 bps | |
| Loan Growth (YoY) | 17.03% | 16.58% | 14.46% | 12.45% | 9.71% | -732 bps | |
| Share Growth (YoY) | 3.01% | 5.70% | 5.86% | 4.17% | 4.91% | +190 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.11% | 1.94% | 2.03% | 1.99% | 2.62% | +51 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.08% | 13.96% | 14.00% | 14.09% | 14.21% | +112 bps | |
| Net Worth / Assets | 13.08% | 13.96% | 14.00% | 14.09% | 14.21% | +112 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 50.65% | 56.87% | 54.91% | 52.52% | 52.96% | +232 bps | |
| Liquid Assets / Assets | 0.00% | 99.64% | 0.00% | 0.00% | 0.00% | 0 bps | |