Springfield, NJ · Charter 23807
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 | -0.17% | -0.93% | -0.27% | 0.36% | 0.48% | 0.04% | 0.23% | 0.37% | +1 bps | |
| Return on Equity | -1.21% | -7.44% | -2.25% | 2.98% | 3.82% | 0.30% | 1.95% | 3.08% | +11 bps | |
| Net Interest Margin | 5.33% | 5.08% | 5.62% | 5.59% | 5.73% | 5.50% | 5.65% | 5.88% | +29 bps | |
| Efficiency Ratio | 100.13% | 109.65% | 103.98% | 93.47% | 91.26% | 98.96% | 96.18% | 93.90% | +43 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.49% | -0.05% | 1.36% | 7.33% | 4.53% | 4.62% | 3.28% | 1.24% | -609 bps | |
| Loan Growth (YoY) | -3.63% | -1.98% | 3.70% | 11.52% | 15.46% | 13.48% | 11.42% | 8.38% | -314 bps | |
| Share Growth (YoY) | -4.99% | 1.28% | 2.68% | 10.11% | 5.99% | 4.80% | 5.92% | 0.24% | -986 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.09% | 2.71% | 1.71% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.45% | 0.35% | 0.36% | 0.37% | 0.25% | 0.25% | 0.24% | 0.23% | -14 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.64% | 12.46% | 12.07% | 12.10% | 12.54% | 11.94% | 11.84% | 11.99% | -11 bps | |
| Net Worth / Assets | 13.64% | 12.46% | 12.07% | 12.10% | 12.54% | 11.94% | 11.84% | 11.99% | -11 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 73.69% | 70.30% | 72.28% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |