PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

NJ Gateway

Dayton, NJ · Charter 19454

NCUA · 1 branch

Q2 2026

$27.7MAssets
$4.1MLoans
$24.8MShares
$2.8MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.61%, up 54 bps year over year; NIM at 3.45%.
  • Asset quality: problem loans at 0.01% of loans (+1 bps YoY).
  • Capital: net worth / assets of 10.00%, up 50 bps from a year ago.
  • Funding: loans stand at 16.60% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.61%+54 bps YoY

Net Interest Margin (quarter, annualized)

3.45%+99 bps YoY

Efficiency Ratio (quarter, annualized)

82.82%-1,460 bps YoY

Net Worth / Assets

10.00%+50 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.07%0.09%0.12%0.45%0.61%+54 bps
Return on Equity0.74%0.97%1.22%4.63%6.15%+541 bps
Net Interest Margin2.46%2.60%2.75%3.22%3.45%+99 bps
Efficiency Ratio97.43%96.76%96.07%85.66%82.82%-1,460 bps
Growth
Asset Growth (YoY)0.64%1.22%-0.56%-0.34%-1.11%-175 bps
Loan Growth (YoY)-7.48%-4.35%-10.69%-14.27%-6.06%+142 bps
Share Growth (YoY)0.77%1.26%-0.93%-0.77%-1.91%-268 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.01%+1 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.50%9.59%9.72%9.70%10.00%+50 bps
Net Worth / Assets9.50%9.59%9.72%9.70%10.00%+50 bps
Liquidity & Funding
Loans / Shares17.33%17.50%16.90%15.32%16.60%-73 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps