Roselle, NJ · Charter 23615
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 | -4.38% | -2.83% | -0.94% | 0.56% | 1.66% | 2.12% | 2.61% | 1.79% | +123 bps | |
| Return on Equity | -51.18% | -53.61% | -18.43% | 10.19% | 25.04% | 26.73% | 30.95% | 19.11% | +892 bps | |
| Net Interest Margin | 2.07% | 2.11% | 2.63% | 3.05% | 3.67% | 4.30% | 5.11% | 5.22% | +217 bps | |
| Efficiency Ratio | 318% | 223% | 125.25% | 85.47% | 67.54% | 63.69% | 56.77% | 70.10% | -1,537 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.15% | -3.70% | 4.00% | -0.32% | -0.35% | -9.15% | -13.60% | -15.91% | -1,559 bps | |
| Loan Growth (YoY) | -46.12% | 8.31% | 121.16% | 281% | 237% | 92.43% | 19.44% | -13.30% | -29,477 bps | |
| Share Growth (YoY) | 3.81% | -0.63% | 5.65% | -0.38% | -1.72% | -11.74% | -17.24% | -19.23% | -1,885 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 7.03% | 2.97% | 0.00% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 10.91% | 6.90% | 4.89% | 3.73% | 3.24% | 3.58% | 4.09% | 4.30% | +57 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.56% | 5.29% | 5.08% | 5.50% | 6.62% | 7.94% | 8.44% | 9.38% | +387 bps | |
| Net Worth / Assets | 8.56% | 5.29% | 5.08% | 5.50% | 6.62% | 7.94% | 8.44% | 9.38% | +387 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 9.28% | 14.74% | 19.85% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |