Perth Amboy, NJ · Charter 16577
NCUA · 3 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.51% | -0.44% | 0.64% | 0.40% | 0.40% | 0.38% | 0.52% | 0.53% | +13 bps | |
| Return on Equity | -7.27% | -6.46% | 9.36% | 5.99% | 5.99% | 5.56% | 7.76% | 7.74% | +175 bps | |
| Net Interest Margin | 2.60% | 2.67% | 3.12% | 3.12% | 3.18% | 3.25% | 3.43% | 3.51% | +40 bps | |
| Efficiency Ratio | 108.99% | 106.56% | 81.34% | 85.78% | 85.88% | 85.76% | 82.63% | 81.52% | -426 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.96% | 9.55% | 10.08% | 11.81% | 7.60% | 7.13% | 7.07% | 4.58% | -722 bps | |
| Loan Growth (YoY) | 13.97% | 15.88% | 16.38% | 19.56% | 14.36% | 14.37% | 9.04% | 6.64% | -1,293 bps | |
| Share Growth (YoY) | 22.05% | 11.31% | 10.46% | 10.93% | 7.04% | 6.79% | 7.95% | 6.32% | -461 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.60% | 0.54% | 0.50% | 0.83% | 2.19% | 1.18% | 1.32% | 2.96% | +213 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 | 7.00% | 6.85% | 6.79% | 6.70% | 6.75% | 6.77% | 6.69% | 6.85% | +15 bps | |
| Net Worth / Assets | 7.00% | 6.85% | 6.79% | 6.70% | 6.75% | 6.77% | 6.69% | 6.85% | +15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.83% | 86.48% | 88.15% | 90.72% | 90.63% | 92.62% | 89.03% | 90.99% | +27 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |