PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

1st Bergen

Hackensack, NJ · Charter 24810

NCUA · 3 branches

Q2 2026

$11.2MAssets
$5.8MLoans
$7.4MShares
$3.1MNet 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 0.97%, down 28 bps year over year; NIM at 3.73%.
  • Asset quality: problem loans at 2.99% of loans (+41 bps YoY).
  • Capital: net worth / assets of 27.67%, down 87 bps from a year ago.
  • Funding: loans stand at 79.32% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.97%-28 bps YoY

Net Interest Margin (YTD, annualized)

3.73%-15 bps YoY

Efficiency Ratio (YTD, annualized)

79.04%+148 bps YoY

Net Worth / Assets

27.67%-87 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.25%1.37%1.10%0.80%0.97%-28 bps
Return on Equity4.37%4.94%3.81%2.94%3.50%-87 bps
Net Interest Margin3.88%3.85%4.01%3.54%3.73%-15 bps
Efficiency Ratio77.56%76.57%82.14%80.99%79.04%+148 bps
Growth
Asset Growth (YoY)-3.15%15.35%-1.04%0.19%6.75%+990 bps
Loan Growth (YoY)-3.69%-2.89%-9.72%-8.21%-0.61%+308 bps
Share Growth (YoY)-7.87%23.79%-1.25%1.38%15.83%+2,371 bps
Asset Quality
Delinquent Loans / Loans2.58%3.47%4.48%3.71%2.99%+41 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 Capital28.54%27.75%28.81%27.18%27.67%-87 bps
Net Worth / Assets28.54%27.75%28.81%27.18%27.67%-87 bps
Liquidity & Funding
Loans / Shares92.44%88.34%83.91%77.16%79.32%-1,312 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps