Newark, NJ · Charter 24167
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 | 0.26% | 0.23% | 0.22% | 0.17% | 0.21% | -5 bps | |
| Return on Equity | 2.01% | 1.81% | 1.66% | 1.39% | 1.56% | -45 bps | |
| Net Interest Margin | 3.85% | 3.81% | 3.96% | 3.32% | 3.79% | -6 bps | |
| Efficiency Ratio | 97.95% | 98.16% | 98.29% | 98.44% | 98.30% | +34 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.63% | 6.62% | -3.94% | 0.70% | -1.27% | -590 bps | |
| Loan Growth (YoY) | 2.21% | 3.09% | 11.02% | 11.12% | -8.30% | -1,052 bps | |
| Share Growth (YoY) | 5.27% | 6.20% | -5.25% | 1.42% | -3.46% | -874 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.03% | 0.00% | 0.00% | 0.00% | 0.00% | -3 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.59% | 0.39% | 0.22% | 0.23% | 0.24% | -35 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.98% | 12.67% | 13.37% | 12.33% | 13.34% | +36 bps | |
| Net Worth / Assets | 12.98% | 12.67% | 13.37% | 12.33% | 13.34% | +36 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 40.27% | 38.86% | 40.06% | 35.41% | 38.25% | -202 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |