Kenilworth, NJ · Charter 14172
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.02% | 1.20% | 1.16% | 1.12% | 0.81% | -21 bps | |
| Return on Equity | 2.98% | 3.38% | 3.18% | 3.14% | 2.23% | -75 bps | |
| Net Interest Margin | 4.79% | 5.02% | 5.07% | 4.60% | 4.58% | -21 bps | |
| Efficiency Ratio | 79.23% | 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 / Loans | 0.99% | 0.57% | 0.56% | 0.54% | 2.33% | +134 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 | 34.15% | 35.59% | 36.57% | 35.66% | 36.21% | +206 bps | |
| Net Worth / Assets | 34.15% | 35.59% | 36.57% | 35.66% | 36.21% | +206 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 119.04% | 122.85% | 126.84% | 121.02% | 117.19% | -186 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |