Cranford, NJ · Charter 2493
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 | 0.09% | 0.11% | 0.03% | -0.13% | -0.07% | 0.01% | -0.23% | -0.30% | -17 bps | |
| Return on Equity | 0.45% | 0.58% | 0.18% | -0.72% | -0.40% | 0.04% | -1.33% | -1.80% | -108 bps | |
| Net Interest Margin | 5.56% | 5.36% | 5.17% | 5.06% | 4.86% | 4.88% | 4.50% | 4.45% | -61 bps | |
| Efficiency Ratio | 89.96% | 89.95% | 95.75% | 99.46% | 97.41% | 95.52% | 105.54% | 103.81% | +435 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.95% | 1.78% | 5.15% | 9.38% | 13.24% | 6.68% | 4.98% | 6.94% | -244 bps | |
| Loan Growth (YoY) | 3.75% | 0.58% | 1.93% | -2.62% | -3.35% | 0.05% | -3.02% | 0.97% | +359 bps | |
| Share Growth (YoY) | -3.70% | 4.30% | 8.88% | 12.02% | 17.19% | 8.21% | 6.22% | 8.79% | -322 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.97% | 2.56% | 2.18% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.99% | 18.95% | 18.51% | 18.27% | 17.51% | 17.64% | 17.33% | 16.77% | -150 bps | |
| Net Worth / Assets | 19.99% | 18.95% | 18.51% | 18.27% | 17.51% | 17.64% | 17.33% | 16.77% | -150 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.80% | 74.96% | 73.46% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |