Milford, NJ · Charter 13944
NCUA · 4 branches
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 | 0.44% | 0.36% | 0.32% | 0.33% | 0.40% | -4 bps | |
| Return on Equity | 4.31% | 3.54% | 3.16% | 3.26% | 3.89% | -42 bps | |
| Net Interest Margin | 2.91% | 2.92% | 2.93% | 3.00% | 3.12% | +21 bps | |
| Efficiency Ratio | 83.75% | 85.71% | 86.87% | 85.37% | 83.29% | -46 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.75% | -0.05% | 0.00% | 2.58% | 1.46% | +221 bps | |
| Loan Growth (YoY) | -3.03% | -1.66% | 0.76% | 1.04% | 2.43% | +546 bps | |
| Share Growth (YoY) | -1.26% | -0.66% | -0.27% | 2.48% | 1.33% | +259 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.23% | 2.05% | 1.68% | 1.51% | 1.77% | -46 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 | 10.20% | 10.28% | 10.28% | 10.15% | 10.36% | +16 bps | |
| Net Worth / Assets | 10.20% | 10.28% | 10.28% | 10.15% | 10.36% | +16 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 30.42% | 31.03% | 30.75% | 30.14% | 30.76% | +33 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |