Newark, NJ · Charter 24167
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 | 0.04% | 0.05% | 0.18% | 0.26% | 0.23% | 0.22% | 0.17% | 0.21% | -5 bps | |
| Return on Equity | 0.32% | 0.36% | 1.49% | 2.01% | 1.81% | 1.66% | 1.39% | 1.56% | -45 bps | |
| Net Interest Margin | 4.03% | 3.85% | 3.48% | 3.85% | 3.81% | 3.96% | 3.32% | 3.79% | -6 bps | |
| Efficiency Ratio | 99.14% | 99.23% | 98.49% | 97.95% | 98.16% | 98.29% | 98.44% | 98.30% | +34 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.15% | -2.45% | 6.42% | 4.63% | 6.62% | -3.94% | 0.70% | -1.27% | -590 bps | |
| Loan Growth (YoY) | -8.00% | -13.99% | -15.32% | 2.21% | 3.09% | 11.02% | 11.12% | -8.30% | -1,052 bps | |
| Share Growth (YoY) | -9.18% | -3.42% | 6.09% | 5.27% | 6.20% | -5.25% | 1.42% | -3.46% | -874 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.31% | 0.26% | 0.14% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.62% | 0.68% | 0.70% | 0.59% | 0.39% | 0.22% | 0.23% | 0.24% | -35 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.31% | 12.63% | 12.21% | 12.98% | 12.67% | 13.37% | 12.33% | 13.34% | +36 bps | |
| Net Worth / Assets | 13.31% | 12.63% | 12.21% | 12.98% | 12.67% | 13.37% | 12.33% | 13.34% | +36 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 40.03% | 34.19% | 32.32% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |