Toms River, NJ · Charter 18759
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 | -0.43% | 0.01% | 0.79% | 1.18% | 1.12% | 1.13% | 2.91% | 2.22% | +104 bps | |
| Return on Equity | -2.57% | 0.05% | 4.42% | 6.56% | 6.31% | 5.97% | 14.94% | 11.12% | +456 bps | |
| Net Interest Margin | 4.46% | 4.79% | 4.95% | 5.00% | 4.88% | 5.15% | 5.05% | 5.18% | +18 bps | |
| Efficiency Ratio | 83.48% | 81.87% | 78.98% | 74.43% | 76.90% | 77.91% | 74.35% | 73.50% | -92 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.62% | -2.83% | -6.81% | -4.24% | 1.76% | 0.95% | 0.06% | -1.93% | +231 bps | |
| Loan Growth (YoY) | 8.03% | 3.11% | 8.65% | -1.23% | -11.08% | -15.39% | -9.87% | -11.92% | -1,069 bps | |
| Share Growth (YoY) | -2.92% | -3.46% | -9.43% | -6.91% | 0.53% | -0.39% | -2.06% | -4.42% | +250 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.22% | 2.08% | 0.68% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 4.11% | 3.79% | 2.79% | 2.93% | 2.93% | 3.01% | 1.40% | 1.43% | -150 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.86% | 17.92% | 17.86% | 18.00% | 17.74% | 18.88% | 19.50% | 19.99% | +199 bps | |
| Net Worth / Assets | 16.86% | 17.92% | 17.86% | 18.00% | 17.74% | 18.88% | 19.50% | 19.99% | +199 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 31.92% | 35.21% | 31.80% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |