Jersey City, NJ · Charter 23678
NCUA · 2 branches
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 | 1.28% | 1.08% | 0.91% | 1.45% | 1.23% | -5 bps | |
| Return on Equity | 6.03% | 5.00% | 4.13% | 6.53% | 5.48% | -54 bps | |
| Net Interest Margin | 2.01% | 1.96% | 2.03% | 2.24% | 2.13% | +13 bps | |
| Efficiency Ratio | 37.22% | 45.69% | 46.89% | 35.79% | 42.99% | +578 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.58% | -2.21% | -3.69% | -3.72% | -1.64% | +494 bps | |
| Loan Growth (YoY) | -12.35% | -5.06% | 9.26% | 8.25% | 21.97% | +3,432 bps | |
| Share Growth (YoY) | -8.98% | -3.60% | -5.53% | -5.81% | -3.16% | +581 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.33% | 1.65% | 0.00% | 0.04% | 0.86% | -47 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.64% | 2.48% | 0.00% | 0.00% | 0.00% | -264 bps | |
| Capital | |||||||
| Risk-Based Capital | 21.25% | 21.64% | 22.12% | 22.24% | 22.45% | +119 bps | |
| Net Worth / Assets | 21.25% | 21.64% | 22.12% | 22.24% | 22.45% | +119 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 10.89% | 11.78% | 12.13% | 12.68% | 13.71% | +283 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |