Summit, NJ · Charter 21737
NCUA · 2 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.68% | 0.30% | 0.16% | 0.28% | -0.04% | -72 bps | |
| Return on Equity | 6.68% | 2.93% | 1.48% | 2.70% | -0.42% | -710 bps | |
| Net Interest Margin | 4.30% | 4.37% | 4.61% | 4.93% | 5.10% | +80 bps | |
| Efficiency Ratio | 82.38% | 87.86% | 87.07% | 87.53% | 85.51% | +312 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.85% | -2.11% | -7.65% | -7.07% | -7.36% | -821 bps | |
| Loan Growth (YoY) | -9.59% | -12.93% | -14.62% | -14.78% | -21.05% | -1,146 bps | |
| Share Growth (YoY) | 0.76% | -2.47% | -8.83% | -7.85% | -8.58% | -934 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.04% | 4.19% | 4.45% | 3.07% | 4.85% | +181 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.15% | 10.28% | 10.94% | 10.55% | 10.73% | +58 bps | |
| Net Worth / Assets | 10.15% | 10.28% | 10.94% | 10.55% | 10.73% | +58 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 43.71% | 42.56% | 44.32% | 40.12% | 37.75% | -596 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |