PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

New Brunswick Postal

New Brunswick, NJ · Charter 2394

NCUA · 2 branches

Q2 2026

$23.9MAssets
$12.5MLoans
$21.5MShares
$2.2MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -0.73%, down 22 bps year over year; NIM at 4.44%.
  • Asset quality: problem loans at 1.93% of loans (-140 bps YoY).
  • Capital: net worth / assets of 9.11%, down 127 bps from a year ago.
  • Funding: loans stand at 58.25% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.73%-22 bps YoY

Net Interest Margin (YTD, annualized)

4.44%+93 bps YoY

Efficiency Ratio (YTD, annualized)

109.31%-265 bps YoY

Net Worth / Assets

9.11%-127 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.51%-0.51%1.29%-0.58%-0.73%-22 bps
Return on Equity-4.88%-5.07%14.05%-6.37%-8.00%-312 bps
Net Interest Margin3.51%3.43%3.02%4.27%4.44%+93 bps
Efficiency Ratio111.96%112.25%74.33%111.75%109.31%-265 bps
Growth
Asset Growth (YoY)-1.85%1.15%34.97%35.74%30.62%+3,247 bps
Loan Growth (YoY)-3.91%-1.28%14.55%13.71%13.24%+1,715 bps
Share Growth (YoY)9.38%11.32%43.88%38.58%31.56%+2,218 bps
Asset Quality
Delinquent Loans / Loans3.33%1.73%1.25%3.07%1.93%-140 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.38%10.02%9.18%9.10%9.11%-127 bps
Net Worth / Assets10.38%10.02%9.18%9.10%9.11%-127 bps
Liquidity & Funding
Loans / Shares67.67%67.65%58.11%57.15%58.25%-943 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps