Parsippany, NJ · Charter 2348
NCUA · 1 branch
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 | -0.15% | -0.19% | -0.14% | -7.06% | -3.93% | -379 bps | |
| Return on Equity | -0.90% | -1.09% | -0.77% | -42.02% | -21.76% | -2,086 bps | |
| Net Interest Margin | 2.89% | 3.01% | 3.08% | 3.01% | 3.23% | +34 bps | |
| Efficiency Ratio | 103.14% | 104.85% | 103.60% | 108.63% | 108.01% | +487 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -11.64% | -15.57% | -14.08% | -14.40% | -17.94% | -631 bps | |
| Loan Growth (YoY) | -8.22% | -16.18% | -8.42% | -19.26% | -21.60% | -1,339 bps | |
| Share Growth (YoY) | -13.65% | -18.19% | -16.55% | -15.31% | -19.47% | -582 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 7.10% | 7.44% | 7.33% | 0.00% | 0.00% | -710 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.92% | 2.03% | 2.06% | 1.64% | 1.69% | -23 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.51% | 17.33% | 17.82% | 16.80% | 18.08% | +157 bps | |
| Net Worth / Assets | 16.51% | 17.33% | 17.82% | 16.80% | 18.08% | +157 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 29.23% | 29.36% | 29.95% | 26.47% | 28.45% | -77 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |