Lyons, NJ · Charter 22028
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 | -0.90% | -0.87% | -3.08% | -2.00% | -1.54% | -1.21% | -0.64% | -0.15% | +185 bps | |
| Return on Equity | -4.88% | -4.70% | -17.04% | -11.23% | -8.98% | -7.15% | -3.84% | -0.85% | +1,039 bps | |
| Net Interest Margin | 1.89% | 1.87% | 1.95% | 2.10% | 2.11% | 2.29% | 2.54% | 2.82% | +73 bps | |
| Efficiency Ratio | 129.80% | 132.92% | 126.94% | 120.29% | 121.59% | 113.21% | 88.79% | 84.53% | -3,576 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.22% | -1.50% | -4.43% | -3.54% | -2.49% | -1.66% | 1.36% | -3.12% | +42 bps | |
| Loan Growth (YoY) | -5.60% | -5.48% | -10.48% | -8.55% | -7.88% | -9.24% | -8.79% | -11.01% | -245 bps | |
| Share Growth (YoY) | -13.40% | -4.77% | -6.31% | -5.37% | -1.94% | -2.09% | 0.76% | -3.96% | +142 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.76% | 5.42% | 2.90% | 2.16% | 2.88% | 1.16% | 0.44% | 1.25% | -91 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 | 18.39% | 18.47% | 18.08% | 17.77% | 17.14% | 16.94% | 16.69% | 17.57% | -20 bps | |
| Net Worth / Assets | 18.39% | 18.47% | 18.08% | 17.77% | 17.14% | 16.94% | 16.69% | 17.57% | -20 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 24.30% | 24.15% | 22.71% | 23.41% | 22.83% | 22.39% | 20.56% | 21.69% | -172 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |