PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Saker Shop Rite

Holmdel, NJ · Charter 15370

NCUA · 1 branch

Q2 2026

$7.3MAssets
$804KLoans
$5.4MShares
$1.9MNet 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 -0.67%, down 133 bps year over year; NIM at 3.94%.
  • Asset quality: problem loans at 3.80% of loans (+51 bps YoY).
  • Capital: net worth / assets of 25.50%, up 117 bps from a year ago.
  • Funding: loans stand at 14.90% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.67%-133 bps YoY

Net Interest Margin (YTD, annualized)

3.94%+49 bps YoY

Efficiency Ratio (YTD, annualized)

86.12%+220 bps YoY

Net Worth / Assets

25.50%+117 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.66%0.49%0.52%-0.48%-0.67%-133 bps
Return on Equity2.70%1.98%2.00%-1.92%-2.64%-534 bps
Net Interest Margin3.45%3.71%4.00%3.68%3.94%+49 bps
Efficiency Ratio83.92%81.92%83.89%89.64%86.12%+220 bps
Growth
Asset Growth (YoY)-8.70%-9.41%-8.72%-5.69%-5.01%+369 bps
Loan Growth (YoY)-4.85%-4.37%-1.70%1.17%-0.08%+478 bps
Share Growth (YoY)-11.56%-12.61%-12.11%-7.93%-6.72%+484 bps
Asset Quality
Delinquent Loans / Loans3.28%3.67%3.44%1.44%3.80%+51 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 Capital24.33%24.92%26.18%25.25%25.50%+117 bps
Net Worth / Assets24.33%24.92%26.18%25.25%25.50%+117 bps
Liquidity & Funding
Loans / Shares13.91%14.69%16.57%14.52%14.90%+99 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps