PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Healthcare Employees

Princeton, NJ · Charter 24150

NCUA · 2 branches

Q2 2026

$137.2MAssets
$83.9MLoans
$119.0MShares
$18.6MNet 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 1.71%, up 34 bps year over year; NIM at 5.59%.
  • Asset quality: problem loans at 0.62% of loans (+34 bps YoY).
  • Capital: net worth / assets of 13.58%, up 136 bps from a year ago.
  • Funding: loans stand at 70.52% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.71%+34 bps YoY

Net Interest Margin (quarter, annualized)

5.59%+126 bps YoY

Efficiency Ratio (quarter, annualized)

65.55%-360 bps YoY

Net Worth / Assets

13.58%+136 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.36%1.75%1.74%2.13%1.71%+34 bps
Return on Equity11.17%13.38%13.02%15.81%12.58%+141 bps
Net Interest Margin4.33%4.64%4.67%6.33%5.59%+126 bps
Efficiency Ratio69.16%64.74%64.84%59.74%65.55%-360 bps
Growth
Asset Growth (YoY)-0.40%-1.57%0.40%2.24%4.11%+451 bps
Loan Growth (YoY)9.19%12.43%6.13%10.01%6.89%-230 bps
Share Growth (YoY)-3.01%-3.49%-1.62%1.40%3.45%+647 bps
Asset Quality
Delinquent Loans / Loans0.28%0.41%0.53%0.30%0.62%+34 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 Capital12.22%13.09%13.38%13.50%13.58%+136 bps
Net Worth / Assets12.22%13.09%13.38%13.50%13.58%+136 bps
Liquidity & Funding
Loans / Shares68.26%70.38%68.68%70.58%70.52%+227 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps