PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

P.S.E. & G. Nuclear Employees

Hancocks Bridge, NJ · Charter 24226

NCUA · 1 branch

Q2 2026

$10.0MAssets
$3.1MLoans
$8.7MShares
$1.3MNet 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 -4.50%, down 515 bps year over year; NIM at 3.64%.
  • Asset quality: problem loans at 0.24% of loans (+15 bps YoY).
  • Capital: net worth / assets of 12.93%, down 152 bps from a year ago.
  • Funding: loans stand at 35.84% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-4.50%-515 bps YoY

Net Interest Margin (YTD, annualized)

3.64%-47 bps YoY

Efficiency Ratio (YTD, annualized)

217%+13,187 bps YoY

Net Worth / Assets

12.93%-152 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.65%0.90%0.94%0.37%-4.50%-515 bps
Return on Equity4.51%6.17%6.27%2.73%-34.81%-3,932 bps
Net Interest Margin4.11%4.09%4.11%3.72%3.64%-47 bps
Efficiency Ratio84.81%78.89%78.35%90.45%217%+13,187 bps
Growth
Asset Growth (YoY)1.70%5.90%2.95%-0.89%0.05%-165 bps
Loan Growth (YoY)-18.12%-15.26%-19.12%-27.18%-30.17%-1,205 bps
Share Growth (YoY)0.74%5.64%2.26%-0.36%1.78%+103 bps
Asset Quality
Delinquent Loans / Loans0.09%0.08%0.07%0.34%0.24%+15 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 Capital14.46%14.64%14.93%13.68%12.93%-152 bps
Net Worth / Assets14.46%14.64%14.93%13.68%12.93%-152 bps
Liquidity & Funding
Loans / Shares52.24%49.77%46.48%39.85%35.84%-1,639 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps