Sayreville, NJ · Charter 2246
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 | 0.41% | 0.81% | 0.14% | 0.24% | 0.26% | 0.21% | -0.29% | -0.21% | -45 bps | |
| Return on Equity | 4.45% | 8.50% | 1.46% | 2.45% | 2.40% | 2.00% | -2.91% | -2.15% | -460 bps | |
| Net Interest Margin | 4.71% | 5.15% | 4.48% | 4.58% | 4.98% | 4.73% | 4.52% | 4.58% | -1 bps | |
| Efficiency Ratio | 85.69% | 80.44% | 97.14% | 95.18% | 94.32% | 95.31% | 105.94% | 104.28% | +910 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.34% | -5.09% | -9.78% | -9.46% | -11.93% | -6.15% | -3.42% | -0.63% | +882 bps | |
| Loan Growth (YoY) | 3.24% | -7.36% | -8.12% | -9.09% | -9.79% | -6.31% | -13.32% | -21.26% | -1,217 bps | |
| Share Growth (YoY) | -7.28% | -6.06% | -11.06% | -10.70% | -13.43% | -6.94% | -3.82% | -0.63% | +1,007 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.56% | 0.65% | 0.91% | 0.83% | 2.89% | 3.06% | 3.17% | 4.63% | +380 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 | 0.92% | 1.12% | 1.18% | 1.15% | 0.91% | 0.99% | 1.16% | 1.10% | -5 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.11% | 9.49% | 9.57% | 9.77% | 10.69% | 10.32% | 10.01% | 9.80% | +3 bps | |
| Net Worth / Assets | 9.11% | 9.49% | 9.57% | 9.77% | 10.69% | 10.32% | 10.01% | 9.80% | +3 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 49.52% | 46.80% | 46.86% | 48.28% | 51.60% | 47.12% | 42.24% | 38.26% | -1,002 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |