Dayton, NJ · Charter 19454
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.25% | -0.15% | 0.05% | 0.07% | 0.09% | 0.12% | 0.45% | 0.61% | +54 bps | |
| Return on Equity | -2.61% | -1.58% | 0.58% | 0.74% | 0.97% | 1.22% | 4.63% | 6.15% | +541 bps | |
| Net Interest Margin | 2.05% | 2.11% | 2.39% | 2.46% | 2.60% | 2.75% | 3.22% | 3.45% | +99 bps | |
| Efficiency Ratio | 110.54% | 107.04% | 97.93% | 97.43% | 96.76% | 96.07% | 85.66% | 82.82% | -1,460 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.20% | -5.12% | -3.24% | 0.64% | 1.22% | -0.56% | -0.34% | -1.11% | -175 bps | |
| Loan Growth (YoY) | -7.41% | -5.06% | -6.04% | -7.48% | -4.35% | -10.69% | -14.27% | -6.06% | +142 bps | |
| Share Growth (YoY) | -4.59% | -5.41% | -3.47% | 0.77% | 1.26% | -0.93% | -0.77% | -1.91% | -268 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.28% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | +1 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 | 9.60% | 9.55% | 9.45% | 9.50% | 9.59% | 9.72% | 9.70% | 10.00% | +50 bps | |
| Net Worth / Assets | 9.60% | 9.55% | 9.45% | 9.50% | 9.59% | 9.72% | 9.70% | 10.00% | +50 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 18.52% | 18.74% | 17.73% | 17.33% | 17.50% | 16.90% | 15.32% | 16.60% | -73 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |