PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Hoboken School Employees

Hoboken, NJ · Charter 2155

NCUA · 1 branch

Q2 2026

$75.6MAssets
$25.3MLoans
$59.7MShares
$15.5MNet 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 0.28%, up 7 bps year over year; NIM at 1.63%.
  • Asset quality: problem loans at 1.36% of loans (+46 bps YoY).
  • Capital: net worth / assets of 20.54%, down 74 bps from a year ago.
  • Funding: loans stand at 42.30% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.28%+7 bps YoY

Net Interest Margin (YTD, annualized)

1.63%-3 bps YoY

Efficiency Ratio (YTD, annualized)

83.11%+58 bps YoY

Net Worth / Assets

20.54%-74 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.21%0.16%0.17%0.24%0.28%+7 bps
Return on Equity0.99%0.75%0.81%1.13%1.34%+36 bps
Net Interest Margin1.66%1.65%1.64%1.62%1.63%-3 bps
Efficiency Ratio82.53%85.64%85.51%85.04%83.11%+58 bps
Growth
Asset Growth (YoY)4.34%5.68%4.88%3.36%4.52%+18 bps
Loan Growth (YoY)-6.54%-3.15%-1.77%0.60%-0.42%+612 bps
Share Growth (YoY)5.42%7.32%5.72%4.10%5.42%0 bps
Asset Quality
Delinquent Loans / Loans0.90%0.96%0.99%0.94%1.36%+46 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 Capital21.28%21.34%21.31%21.00%20.54%-74 bps
Net Worth / Assets21.28%21.34%21.31%21.00%20.54%-74 bps
Liquidity & Funding
Loans / Shares44.79%45.58%45.74%44.03%42.30%-248 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps