PackageTrendsPeer
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Princeton

Princeton, NJ · Charter 21009

NCUA · 2 branches

Q2 2026

$169.2MAssets
$115.4MLoans
$151.8MShares
$16.9MNet 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 0.21%, up 18 bps year over year; NIM at 3.87%.
  • Asset quality: problem loans at 0.95% of loans (+70 bps YoY).
  • Capital: net worth / assets of 10.02%, up 57 bps from a year ago.
  • Funding: loans stand at 76.03% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.21%+18 bps YoY

Net Interest Margin (quarter, annualized)

3.87%+68 bps YoY

Efficiency Ratio (quarter, annualized)

85.11%-1,223 bps YoY

Net Worth / Assets

10.02%+57 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.03%0.01%0.05%0.04%0.21%+18 bps
Return on Equity0.33%0.10%0.50%0.41%2.14%+181 bps
Net Interest Margin3.20%3.38%3.42%3.90%3.87%+68 bps
Efficiency Ratio97.35%96.71%95.98%91.41%85.11%-1,223 bps
Growth
Asset Growth (YoY)7.15%0.10%0.46%-1.12%-4.39%-1,154 bps
Loan Growth (YoY)15.54%12.00%8.90%5.76%-5.36%-2,090 bps
Share Growth (YoY)7.82%6.86%3.73%1.89%-0.58%-840 bps
Asset Quality
Delinquent Loans / Loans0.25%0.40%0.57%0.71%0.95%+70 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 Capital9.45%9.80%9.74%9.83%10.02%+57 bps
Net Worth / Assets9.45%9.80%9.74%9.83%10.02%+57 bps
Liquidity & Funding
Loans / Shares79.88%79.88%78.74%78.29%76.03%-384 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps