PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Local 1233

Newark, NJ · Charter 20773

NCUA · 1 branch

Q2 2026

$14.1MAssets
$5.6MLoans
$11.5MShares
$2.5MNet 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 0.82%, down 18 bps year over year; NIM at 3.63%.
  • Asset quality: problem loans at 0.27% of loans (+2 bps YoY).
  • Capital: net worth / assets of 17.87%, up 30 bps from a year ago.
  • Funding: loans stand at 49.08% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.82%-18 bps YoY

Net Interest Margin (quarter, annualized)

3.63%-20 bps YoY

Efficiency Ratio (quarter, annualized)

88.92%+723 bps YoY

Net Worth / Assets

17.87%+30 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.00%1.14%0.64%0.76%0.82%-18 bps
Return on Equity5.69%6.24%3.47%4.24%4.56%-112 bps
Net Interest Margin3.83%4.01%4.04%3.71%3.63%-20 bps
Efficiency Ratio81.69%81.06%84.48%81.28%88.92%+723 bps
Growth
Asset Growth (YoY)4.85%-0.19%1.31%1.31%1.02%-383 bps
Loan Growth (YoY)-2.25%6.00%3.20%1.29%0.70%+296 bps
Share Growth (YoY)3.92%-1.01%0.96%1.03%0.60%-332 bps
Asset Quality
Delinquent Loans / Loans0.25%0.58%0.18%0.13%0.27%+2 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 Capital17.57%18.30%18.38%17.89%17.87%+30 bps
Net Worth / Assets17.57%18.30%18.38%17.89%17.87%+30 bps
Liquidity & Funding
Loans / Shares49.03%55.42%53.57%49.07%49.08%+5 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps