Parsippany, NJ · Charter 2348
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.16% | 0.19% | -0.29% | -0.15% | -0.19% | -0.14% | -7.06% | -3.93% | -379 bps | |
| Return on Equity | 1.08% | 1.23% | -1.81% | -0.90% | -1.09% | -0.77% | -42.02% | -21.76% | -2,086 bps | |
| Net Interest Margin | 2.61% | 2.80% | 2.74% | 2.89% | 3.01% | 3.08% | 3.01% | 3.23% | +34 bps | |
| Efficiency Ratio | 91.65% | 90.95% | 106.42% | 103.14% | 104.85% | 103.60% | 108.63% | 108.01% | +487 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.95% | -7.74% | -10.18% | -11.64% | -15.57% | -14.08% | -14.40% | -17.94% | -631 bps | |
| Loan Growth (YoY) | -8.05% | -14.11% | -8.65% | -8.22% | -16.18% | -8.42% | -19.26% | -21.60% | -1,339 bps | |
| Share Growth (YoY) | -8.24% | -9.17% | -11.92% | -13.65% | -18.19% | -16.55% | -15.31% | -19.47% | -582 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.72% | 6.38% | 5.05% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 2.47% | 2.81% | 2.05% | 1.92% | 2.03% | 2.06% | 1.64% | 1.69% | -23 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.69% | 15.43% | 15.94% | 16.51% | 17.33% | 17.82% | 16.80% | 18.08% | +157 bps | |
| Net Worth / Assets | 14.69% | 15.43% | 15.94% | 16.51% | 17.33% | 17.82% | 16.80% | 18.08% | +157 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 28.66% | 27.29% | 27.76% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |