Elizabeth, NJ · Charter 15016
NCUA · 1 branch
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 | 1.52% | 1.48% | 0.34% | 1.04% | 1.42% | 1.59% | 2.07% | 2.03% | +100 bps | |
| Return on Equity | 6.62% | 6.29% | 1.46% | 4.38% | 5.87% | 6.55% | 8.51% | 8.36% | +399 bps | |
| Net Interest Margin | 4.02% | 4.21% | 4.52% | 4.62% | 4.68% | 4.67% | 4.55% | 4.54% | -8 bps | |
| Efficiency Ratio | 61.41% | 66.08% | 68.01% | 61.50% | 59.53% | 58.80% | 60.43% | 60.63% | -86 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.81% | -5.26% | -7.45% | -1.13% | 1.15% | 3.78% | 5.48% | 6.48% | +761 bps | |
| Loan Growth (YoY) | 19.69% | 19.23% | 11.99% | 12.28% | 15.42% | 8.45% | 1.08% | -5.52% | -1,779 bps | |
| Share Growth (YoY) | -6.51% | -8.43% | -10.80% | -3.13% | -0.28% | 2.86% | 4.40% | 5.69% | +883 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.52% | 0.43% | 0.18% | 0.15% | 0.03% | 0.17% | 0.20% | 0.13% | -2 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 | 22.99% | 23.54% | 23.59% | 23.70% | 24.12% | 24.28% | 24.36% | 24.31% | +61 bps | |
| Net Worth / Assets | 22.99% | 23.54% | 23.59% | 23.70% | 24.12% | 24.28% | 24.36% | 24.31% | +61 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 43.78% | 45.17% | 45.34% | 48.02% | 50.67% | 47.63% | 43.90% | 42.93% | -509 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 99.70% | 0.00% | 0.00% | 0.00% | 0.00% | -9,970 bps | |