Rahway, NJ · Charter 1454
NCUA · 3 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.41% | -0.38% | -0.06% | 0.00% | 0.09% | 0.18% | 0.65% | 0.77% | +77 bps | |
| Return on Equity | -3.04% | -2.83% | -0.46% | 0.00% | 0.65% | 1.28% | 4.32% | 4.98% | +498 bps | |
| Net Interest Margin | -0.19% | -0.16% | 0.32% | 0.40% | 0.49% | 0.56% | 1.02% | 1.17% | +77 bps | |
| Efficiency Ratio | 2034% | 928% | 111.44% | 97.42% | 80.47% | 69.02% | 42.30% | 39.80% | -5,762 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.90% | -7.26% | -6.85% | -3.76% | -2.93% | -1.67% | -8.26% | -8.03% | -427 bps | |
| Loan Growth (YoY) | -1.14% | -1.17% | -0.12% | -0.48% | 0.97% | 3.06% | 3.05% | 7.54% | +802 bps | |
| Share Growth (YoY) | -12.79% | -9.33% | -8.45% | -6.77% | -5.25% | -4.01% | -3.23% | -2.57% | +421 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.85% | 0.84% | 0.58% | 0.56% | 0.26% | 0.21% | 0.37% | 0.30% | -26 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.53% | 13.56% | 13.41% | 13.68% | 13.93% | 13.97% | 14.99% | 15.45% | +177 bps | |
| Net Worth / Assets | 13.53% | 13.56% | 13.41% | 13.68% | 13.93% | 13.97% | 14.99% | 15.45% | +177 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 16.32% | 16.33% | 16.02% | 16.60% | 17.39% | 17.53% | 17.06% | 18.32% | +172 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |