PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Credit Union of New Jersey, A

Ewing, NJ · Charter 24927

NCUA · 5 branches

Q2 2026

$512.8MAssets
$395.9MLoans
$441.4MShares
$52.7MNet 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 1.84%, up 104 bps year over year; NIM at 4.06%.
  • Asset quality: problem loans at 0.93% of loans (+4 bps YoY).
  • Capital: net worth / assets of 10.27%, up 48 bps from a year ago.
  • Funding: loans stand at 89.69% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.84%+104 bps YoY

Net Interest Margin (YTD, annualized)

4.06%-26 bps YoY

Efficiency Ratio (YTD, annualized)

67.74%-726 bps YoY

Net Worth / Assets

10.27%+48 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.80%0.85%0.76%3.51%1.84%+104 bps
Return on Equity8.18%8.47%7.84%33.77%17.93%+975 bps
Net Interest Margin4.33%4.35%4.19%4.11%4.06%-26 bps
Efficiency Ratio74.99%74.36%75.26%54.46%67.74%-726 bps
Growth
Asset Growth (YoY)5.60%1.68%6.51%3.84%8.35%+275 bps
Loan Growth (YoY)3.82%1.46%0.61%0.10%2.57%-126 bps
Share Growth (YoY)14.23%5.85%6.67%2.06%6.86%-737 bps
Asset Quality
Delinquent Loans / Loans0.89%0.87%0.97%0.95%0.93%+4 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 Capital9.79%9.98%9.69%10.39%10.27%+48 bps
Net Worth / Assets9.79%9.98%9.69%10.39%10.27%+48 bps
Liquidity & Funding
Loans / Shares93.45%95.14%91.73%89.48%89.69%-376 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps