Carteret, NJ · Charter 17969
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 | 2.08% | 1.66% | 2.19% | 2.53% | 2.42% | 2.42% | 4.10% | 4.15% | +162 bps | |
| Return on Equity | 5.33% | 4.37% | 5.88% | 6.64% | 6.35% | 6.44% | 11.08% | 10.66% | +403 bps | |
| Net Interest Margin | 6.41% | 6.31% | 6.19% | 6.30% | 6.39% | 6.50% | 6.65% | 6.65% | +35 bps | |
| Efficiency Ratio | 57.05% | 59.45% | 53.62% | 54.51% | 52.62% | 55.90% | 39.81% | 38.80% | -1,571 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -12.28% | -4.46% | 6.28% | 6.54% | 6.03% | 5.03% | 6.20% | 3.96% | -258 bps | |
| Loan Growth (YoY) | -1.19% | 7.37% | 12.88% | 8.67% | 16.91% | 20.39% | 21.12% | 24.09% | +1,541 bps | |
| Share Growth (YoY) | -17.24% | -9.37% | 7.71% | 8.00% | 7.41% | 4.70% | 5.73% | 1.92% | -608 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.65% | 2.96% | 2.60% | 2.88% | 2.46% | 2.31% | 4.00% | 3.95% | +107 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 | 6.46% | 6.98% | 7.30% | 7.29% | 7.10% | 6.86% | 6.76% | 6.53% | -76 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 39.03% | 37.91% | 37.32% | 38.08% | 38.06% | 37.54% | 37.04% | 38.90% | +82 bps | |
| Net Worth / Assets | 39.03% | 37.91% | 37.32% | 38.08% | 38.06% | 37.54% | 37.04% | 38.90% | +82 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 123.41% | 123.54% | 119.81% | 123.19% | 134.33% | 142.06% | 137.24% | 149.98% | +2,679 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |