Roselle, NJ · Charter 23615
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 | 0.56% | 1.66% | 2.12% | 2.61% | 1.79% | +123 bps | |
| Return on Equity | 10.19% | 25.04% | 26.73% | 30.95% | 19.11% | +892 bps | |
| Net Interest Margin | 3.05% | 3.67% | 4.30% | 5.11% | 5.22% | +217 bps | |
| Efficiency Ratio | 85.47% | 67.54% | 63.69% | 56.77% | 70.10% | -1,537 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.32% | -0.35% | -9.15% | -13.60% | -15.91% | -1,559 bps | |
| Loan Growth (YoY) | 281% | 237% | 92.43% | 19.44% | -13.30% | -29,477 bps | |
| Share Growth (YoY) | -0.38% | -1.72% | -11.74% | -17.24% | -19.23% | -1,885 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.37% | 2.89% | 0.85% | 2.88% | 6.33% | +297 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.73% | 3.24% | 3.58% | 4.09% | 4.30% | +57 bps | |
| Capital | |||||||
| Risk-Based Capital | 5.50% | 6.62% | 7.94% | 8.44% | 9.38% | +387 bps | |
| Net Worth / Assets | 5.50% | 6.62% | 7.94% | 8.44% | 9.38% | +387 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 26.92% | 31.79% | 32.14% | 28.64% | 28.90% | +198 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |