Freehold, NJ · Charter 20463
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 | 0.17% | 0.08% | 0.00% | -0.53% | -0.34% | -51 bps | |
| Return on Equity | 1.21% | 0.58% | -0.03% | -3.38% | -2.07% | -328 bps | |
| Net Interest Margin | 1.34% | 1.29% | 1.24% | 1.13% | 1.06% | -27 bps | |
| Efficiency Ratio | 87.50% | 93.84% | 100.29% | 143.97% | 127.45% | +3,995 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.71% | -5.89% | -1.97% | -14.61% | -16.94% | -1,123 bps | |
| Loan Growth (YoY) | 14.06% | 6.91% | 14.80% | 25.53% | 9.82% | -424 bps | |
| Share Growth (YoY) | -8.32% | -6.89% | -4.34% | -17.03% | -19.15% | -1,082 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 1.66% | 1.76% | +176 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.38% | 0.39% | 0.40% | 0.44% | 0.47% | +10 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.81% | 13.73% | 13.67% | 15.52% | 16.36% | +254 bps | |
| Net Worth / Assets | 13.81% | 13.73% | 13.67% | 15.52% | 16.36% | +254 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 6.14% | 6.15% | 6.80% | 8.35% | 8.34% | +220 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |