Toms River, NJ · Charter 18759
NCUA · 1 branch
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 | 1.18% | 1.12% | 1.13% | 2.91% | 2.22% | +104 bps | |
| Return on Equity | 6.56% | 6.31% | 5.97% | 14.94% | 11.12% | +456 bps | |
| Net Interest Margin | 5.00% | 4.88% | 5.15% | 5.05% | 5.18% | +18 bps | |
| Efficiency Ratio | 74.43% | 76.90% | 77.91% | 74.35% | 73.50% | -92 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.24% | 1.76% | 0.95% | 0.06% | -1.93% | +231 bps | |
| Loan Growth (YoY) | -1.23% | -11.08% | -15.39% | -9.87% | -11.92% | -1,069 bps | |
| Share Growth (YoY) | -6.91% | 0.53% | -0.39% | -2.06% | -4.42% | +250 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.33% | +33 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.93% | 2.93% | 3.01% | 1.40% | 1.43% | -150 bps | |
| Capital | |||||||
| Risk-Based Capital | 18.00% | 17.74% | 18.88% | 19.50% | 19.99% | +199 bps | |
| Net Worth / Assets | 18.00% | 17.74% | 18.88% | 19.50% | 19.99% | +199 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 30.80% | 28.23% | 29.91% | 29.27% | 28.38% | -242 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |