PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Metrex

Kenilworth, NJ · Charter 14172

NCUA · 1 branch

Q2 2026

$3.6MAssets
$2.7MLoans
$2.3MShares
$1.3MNet 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 0.81%, down 21 bps year over year; NIM at 4.58%.
  • Asset quality: problem loans at 2.33% of loans (+134 bps YoY).
  • Capital: net worth / assets of 36.21%, up 206 bps from a year ago.
  • Funding: loans stand at 117.19% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.81%-21 bps YoY

Net Interest Margin (YTD, annualized)

4.58%-21 bps YoY

Efficiency Ratio (YTD, annualized)

82.62%+338 bps YoY

Net Worth / Assets

36.21%+206 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.02%1.20%1.16%1.12%0.81%-21 bps
Return on Equity2.98%3.38%3.18%3.14%2.23%-75 bps
Net Interest Margin4.79%5.02%5.07%4.60%4.58%-21 bps
Efficiency Ratio79.23%76.57%77.59%76.01%82.62%+338 bps
Growth
Asset Growth (YoY)-3.02%-2.03%-3.35%-0.34%-2.73%+29 bps
Loan Growth (YoY)17.38%9.32%5.99%2.96%-7.19%-2,457 bps
Share Growth (YoY)-6.23%-4.98%-6.90%-2.26%-5.72%+51 bps
Asset Quality
Delinquent Loans / Loans0.99%0.57%0.56%0.54%2.33%+134 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 Capital34.15%35.59%36.57%35.66%36.21%+206 bps
Net Worth / Assets34.15%35.59%36.57%35.66%36.21%+206 bps
Liquidity & Funding
Loans / Shares119.04%122.85%126.84%121.02%117.19%-186 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps