Elizabeth, NJ · Charter 19185
NCUA · 3 branches
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 | 1.18% | 1.15% | 0.31% | 0.49% | 0.51% | 0.43% | 0.02% | 0.14% | -36 bps | |
| Return on Equity | 8.27% | 8.07% | 2.24% | 3.61% | 3.63% | 3.16% | 0.18% | 1.03% | -258 bps | |
| Net Interest Margin | 3.24% | 3.21% | 3.20% | 3.18% | 3.31% | 3.19% | 3.30% | 3.35% | +17 bps | |
| Efficiency Ratio | 73.68% | 74.05% | 89.30% | 86.33% | 86.48% | 87.45% | 97.75% | 95.37% | +904 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.59% | 10.90% | 4.55% | 10.82% | 6.83% | 9.00% | 8.06% | 5.53% | -529 bps | |
| Loan Growth (YoY) | -6.77% | -5.77% | -10.26% | -6.39% | -1.03% | 4.13% | 13.22% | 16.48% | +2,287 bps | |
| Share Growth (YoY) | 5.82% | 6.25% | 5.29% | 12.70% | 8.43% | 10.90% | 9.82% | 6.93% | -577 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.56% | 1.56% | 0.66% | 0.74% | 0.88% | 0.36% | 0.75% | 0.50% | -24 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 | 14.25% | 14.24% | 13.90% | 13.59% | 13.98% | 13.49% | 13.21% | 13.12% | -47 bps | |
| Net Worth / Assets | 14.25% | 14.24% | 13.90% | 13.59% | 13.98% | 13.49% | 13.21% | 13.12% | -47 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 57.57% | 55.16% | 50.17% | 49.57% | 52.55% | 51.79% | 51.73% | 53.99% | +443 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |