Kendall Park, NJ · Charter 24925
NCUA · 2 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.48% | 0.95% | -0.83% | 0.08% | -0.40% | -0.25% | -0.06% | -2.06% | -214 bps | |
| Return on Equity | 6.34% | 4.45% | -4.22% | 0.45% | -2.37% | -1.52% | -0.43% | -14.60% | -1,505 bps | |
| Net Interest Margin | 1.49% | 1.35% | 1.07% | 1.00% | 1.00% | 0.99% | 0.66% | 0.67% | -33 bps | |
| Efficiency Ratio | 60.85% | 70.24% | 122.69% | 91.15% | 104.37% | 99.44% | 93.73% | 126.31% | +3,515 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 34.29% | 31.95% | 29.37% | 43.51% | 36.03% | 25.46% | 35.38% | 11.08% | -3,243 bps | |
| Loan Growth (YoY) | 45.22% | 29.31% | 19.77% | 20.82% | 24.93% | 62.84% | 78.84% | 54.30% | +3,349 bps | |
| Share Growth (YoY) | 47.39% | 42.00% | 38.97% | 57.00% | 47.68% | 32.78% | 44.25% | 15.11% | -4,189 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 1.00% | 1.00% | 1.00% | 1.00% | 1.00% | 1.00% | 1.00% | 1.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 23.40% | 21.36% | 19.79% | 17.15% | 16.85% | 16.77% | 14.53% | 14.14% | -301 bps | |
| Net Worth / Assets | 23.40% | 21.36% | 19.79% | 17.15% | 16.85% | 16.77% | 14.53% | 14.14% | -301 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.44% | 71.34% | 73.18% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |