Holmdel, NJ · Charter 15370
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 | 0.66% | 0.49% | 0.52% | -0.48% | -0.67% | -133 bps | |
| Return on Equity | 2.70% | 1.98% | 2.00% | -1.92% | -2.64% | -534 bps | |
| Net Interest Margin | 3.45% | 3.71% | 4.00% | 3.68% | 3.94% | +49 bps | |
| Efficiency Ratio | 83.92% | 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 / Loans | 3.28% | 3.67% | 3.44% | 1.44% | 3.80% | +51 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 | 24.33% | 24.92% | 26.18% | 25.25% | 25.50% | +117 bps | |
| Net Worth / Assets | 24.33% | 24.92% | 26.18% | 25.25% | 25.50% | +117 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 13.91% | 14.69% | 16.57% | 14.52% | 14.90% | +99 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |