Tinton Falls, NJ · Charter 18195
NCUA · 6 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.00% | 0.07% | 0.16% | 0.19% | 0.24% | +24 bps | |
| Return on Equity | 0.02% | 0.84% | 1.81% | 2.18% | 2.66% | +264 bps | |
| Net Interest Margin | 3.60% | 3.67% | 3.78% | 3.81% | 3.94% | +33 bps | |
| Efficiency Ratio | 95.83% | 94.00% | 92.04% | 93.04% | 92.46% | -337 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.82% | 1.21% | -0.92% | -2.75% | -2.00% | -118 bps | |
| Loan Growth (YoY) | 3.90% | 5.42% | 4.11% | 2.43% | 1.22% | -268 bps | |
| Share Growth (YoY) | -0.90% | 1.08% | -0.70% | -1.39% | -1.04% | -15 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.07% | 0.76% | 0.93% | 0.58% | 0.84% | -23 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 | 8.54% | 8.54% | 8.75% | 8.87% | 9.00% | +45 bps | |
| Net Worth / Assets | 8.54% | 8.54% | 8.75% | 8.87% | 9.00% | +45 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 89.34% | 90.59% | 89.56% | 88.22% | 91.38% | +204 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |