Springfield, NJ · Charter 23807
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.36% | 0.48% | 0.04% | 0.23% | 0.37% | +1 bps | |
| Return on Equity | 2.98% | 3.82% | 0.30% | 1.95% | 3.08% | +11 bps | |
| Net Interest Margin | 5.59% | 5.73% | 5.50% | 5.65% | 5.88% | +29 bps | |
| Efficiency Ratio | 93.47% | 91.26% | 98.96% | 96.18% | 93.90% | +43 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.33% | 4.53% | 4.62% | 3.28% | 1.24% | -609 bps | |
| Loan Growth (YoY) | 11.52% | 15.46% | 13.48% | 11.42% | 8.38% | -314 bps | |
| Share Growth (YoY) | 10.11% | 5.99% | 4.80% | 5.92% | 0.24% | -986 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.18% | 0.25% | 0.25% | 0.23% | 0.21% | +2 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.37% | 0.25% | 0.25% | 0.24% | 0.23% | -14 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.10% | 12.54% | 11.94% | 11.84% | 11.99% | -11 bps | |
| Net Worth / Assets | 12.10% | 12.54% | 11.94% | 11.84% | 11.99% | -11 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 75.48% | 80.27% | 76.12% | 76.03% | 81.60% | +612 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |