PackageTrendsPeer
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L'Oreal USA

Mountainside, NJ · Charter 21109

NCUA · 1 branch

Q2 2026

$20.0MAssets
$6.6MLoans
$14.7MShares
$5.3MNet 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 -0.47%, down 21 bps year over year; NIM at 3.32%.
  • Asset quality: problem loans at 0.90% of loans (-70 bps YoY).
  • Capital: net worth / assets of 26.55%, up 147 bps from a year ago.
  • Funding: loans stand at 44.62% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.47%-21 bps YoY

Net Interest Margin (YTD, annualized)

3.32%+20 bps YoY

Efficiency Ratio (YTD, annualized)

112.44%+517 bps YoY

Net Worth / Assets

26.55%+147 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.26%-0.26%-0.30%-0.46%-0.47%-21 bps
Return on Equity-1.05%-1.01%-1.17%-1.83%-1.77%-72 bps
Net Interest Margin3.12%3.23%3.32%3.15%3.32%+20 bps
Efficiency Ratio107.28%107.01%104.10%112.92%112.44%+517 bps
Growth
Asset Growth (YoY)-5.30%-0.61%-2.15%-4.39%-6.91%-161 bps
Loan Growth (YoY)-12.62%-12.06%-9.83%-10.94%-14.26%-164 bps
Share Growth (YoY)-7.93%-2.16%-2.58%-5.91%-6.37%+157 bps
Asset Quality
Delinquent Loans / Loans1.60%1.32%0.48%0.60%0.90%-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 Capital25.08%25.89%25.87%25.38%26.55%+147 bps
Net Worth / Assets25.08%25.89%25.87%25.38%26.55%+147 bps
Liquidity & Funding
Loans / Shares48.73%48.56%46.96%44.03%44.62%-411 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps