New Brunswick, NJ · Charter 2394
NCUA · 2 branches
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 | 0.86% | 0.60% | -0.42% | -0.51% | -0.51% | 1.29% | -0.58% | -0.73% | -22 bps | |
| Return on Equity | 8.00% | 5.62% | -3.95% | -4.88% | -5.07% | 14.05% | -6.37% | -8.00% | -312 bps | |
| Net Interest Margin | 3.22% | 3.35% | 3.55% | 3.51% | 3.43% | 3.02% | 4.27% | 4.44% | +93 bps | |
| Efficiency Ratio | 85.15% | 91.78% | 109.78% | 111.96% | 112.25% | 74.33% | 111.75% | 109.31% | -265 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.29% | 0.74% | -1.23% | -1.85% | 1.15% | 34.97% | 35.74% | 30.62% | +3,247 bps | |
| Loan Growth (YoY) | 4.82% | -1.38% | -2.14% | -3.91% | -1.28% | 14.55% | 13.71% | 13.24% | +1,715 bps | |
| Share Growth (YoY) | -7.45% | 2.01% | 4.34% | 9.38% | 11.32% | 43.88% | 38.58% | 31.56% | +2,218 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.07% | 1.30% | 1.77% | 3.33% | 1.73% | 1.25% | 3.07% | 1.93% | -140 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.70% | 10.65% | 10.67% | 10.38% | 10.02% | 9.18% | 9.10% | 9.11% | -127 bps | |
| Net Worth / Assets | 10.70% | 10.65% | 10.67% | 10.38% | 10.02% | 9.18% | 9.10% | 9.11% | -127 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.29% | 72.99% | 69.65% | 67.67% | 67.65% | 58.11% | 57.15% | 58.25% | -943 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |