Hancocks Bridge, NJ · Charter 24226
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 | 1.01% | 1.01% | 0.54% | 0.65% | 0.90% | 0.94% | 0.37% | -4.50% | -515 bps | |
| Return on Equity | 6.98% | 7.00% | 3.84% | 4.51% | 6.17% | 6.27% | 2.73% | -34.81% | -3,932 bps | |
| Net Interest Margin | 4.10% | 4.06% | 3.90% | 4.11% | 4.09% | 4.11% | 3.72% | 3.64% | -47 bps | |
| Efficiency Ratio | 77.04% | 77.01% | 86.73% | 84.81% | 78.89% | 78.35% | 90.45% | 217% | +13,187 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.98% | 6.56% | 3.44% | 1.70% | 5.90% | 2.95% | -0.89% | 0.05% | -165 bps | |
| Loan Growth (YoY) | -16.60% | -16.37% | -19.04% | -18.12% | -15.26% | -19.12% | -27.18% | -30.17% | -1,205 bps | |
| Share Growth (YoY) | -3.61% | 6.40% | 2.79% | 0.74% | 5.64% | 2.26% | -0.36% | 1.78% | +103 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.12% | 0.12% | 0.10% | 0.09% | 0.08% | 0.07% | 0.34% | 0.24% | +15 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 | 14.47% | 14.39% | 14.15% | 14.46% | 14.64% | 14.93% | 13.68% | 12.93% | -152 bps | |
| Net Worth / Assets | 14.47% | 14.39% | 14.15% | 14.46% | 14.64% | 14.93% | 13.68% | 12.93% | -152 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 62.04% | 58.76% | 54.52% | 52.24% | 49.77% | 46.48% | 39.85% | 35.84% | -1,639 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |