Kendall Park, NJ · Charter 24925
NCUA · 2 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.08% | -0.40% | -0.25% | -0.06% | -2.06% | -214 bps | |
| Return on Equity | 0.45% | -2.37% | -1.52% | -0.43% | -14.60% | -1,505 bps | |
| Net Interest Margin | 1.00% | 1.00% | 0.99% | 0.66% | 0.67% | -33 bps | |
| Efficiency Ratio | 91.15% | 104.37% | 99.44% | 93.73% | 126.31% | +3,515 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 43.51% | 36.03% | 25.46% | 35.38% | 11.08% | -3,243 bps | |
| Loan Growth (YoY) | 20.82% | 24.93% | 62.84% | 78.84% | 54.30% | +3,349 bps | |
| Share Growth (YoY) | 57.00% | 47.68% | 32.78% | 44.25% | 15.11% | -4,189 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 1.06% | 1.32% | 1.36% | +136 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.00% | 1.00% | 1.00% | 1.00% | 1.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 17.15% | 16.85% | 16.77% | 14.53% | 14.14% | -301 bps | |
| Net Worth / Assets | 17.15% | 16.85% | 16.77% | 14.53% | 14.14% | -301 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 69.84% | 74.81% | 87.49% | 90.73% | 93.62% | +2,378 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |