Cranford, NJ · Charter 2493
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 | -0.13% | -0.07% | 0.01% | -0.23% | -0.30% | -17 bps | |
| Return on Equity | -0.72% | -0.40% | 0.04% | -1.33% | -1.80% | -108 bps | |
| Net Interest Margin | 5.06% | 4.86% | 4.88% | 4.50% | 4.45% | -61 bps | |
| Efficiency Ratio | 99.46% | 97.41% | 95.52% | 105.54% | 103.81% | +435 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.38% | 13.24% | 6.68% | 4.98% | 6.94% | -244 bps | |
| Loan Growth (YoY) | -2.62% | -3.35% | 0.05% | -3.02% | 0.97% | +359 bps | |
| Share Growth (YoY) | 12.02% | 17.19% | 8.21% | 6.22% | 8.79% | -322 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.46% | 2.03% | 2.52% | 2.77% | 3.30% | +84 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 18.27% | 17.51% | 17.64% | 17.33% | 16.77% | -150 bps | |
| Net Worth / Assets | 18.27% | 17.51% | 17.64% | 17.33% | 16.77% | -150 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 71.03% | 66.63% | 69.31% | 67.07% | 65.92% | -511 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |