Newark, NJ · Charter 20773
NCUA · 1 branch
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 | 1.58% | 1.54% | 0.80% | 1.00% | 1.14% | 0.64% | 0.76% | 0.82% | -18 bps | |
| Return on Equity | 9.22% | 8.57% | 4.58% | 5.69% | 6.24% | 3.47% | 4.24% | 4.56% | -112 bps | |
| Net Interest Margin | 4.04% | 4.20% | 4.00% | 3.83% | 4.01% | 4.04% | 3.71% | 3.63% | -20 bps | |
| Efficiency Ratio | 71.01% | 71.50% | 81.45% | 81.69% | 81.06% | 84.48% | 81.28% | 88.92% | +723 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.74% | 3.67% | 5.03% | 4.85% | -0.19% | 1.31% | 1.31% | 1.02% | -383 bps | |
| Loan Growth (YoY) | 4.65% | -0.44% | -5.35% | -2.25% | 6.00% | 3.20% | 1.29% | 0.70% | +296 bps | |
| Share Growth (YoY) | -0.07% | 2.73% | 4.58% | 3.92% | -1.01% | 0.96% | 1.03% | 0.60% | -332 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.42% | 0.64% | 0.25% | 0.58% | 0.18% | 0.13% | 0.27% | +2 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 | 17.14% | 18.02% | 17.55% | 17.57% | 18.30% | 18.38% | 17.89% | 17.87% | +30 bps | |
| Net Worth / Assets | 17.14% | 18.02% | 17.55% | 17.57% | 18.30% | 18.38% | 17.89% | 17.87% | +30 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 51.75% | 52.40% | 48.94% | 49.03% | 55.42% | 53.57% | 49.07% | 49.08% | +5 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |