Woodbridge, NJ · Charter 24958
NCUA · 2 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.94% | -3.79% | -3.20% | -1.54% | -1.52% | +242 bps | |
| Return on Equity | -14.98% | -16.13% | -16.88% | -9.57% | -9.81% | +517 bps | |
| Net Interest Margin | 3.72% | 3.72% | 3.44% | 4.22% | 4.43% | +71 bps | |
| Efficiency Ratio | 186.88% | 185.79% | 179.67% | 133.11% | 130.50% | -5,638 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 232% | 169.89% | 141.33% | 69.65% | 48.75% | -18,332 bps | |
| Loan Growth (YoY) | n/a | n/a | 212% | 111.65% | 78.52% | n/a | |
| Share Growth (YoY) | n/a | 697% | 322% | 112.51% | 71.70% | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.09% | 0.18% | 0.06% | 0.25% | 0.41% | +32 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.32% | 1.26% | 0.97% | 0.81% | 0.70% | -62 bps | |
| Capital | |||||||
| Risk-Based Capital | 26.28% | 23.49% | 18.93% | 16.13% | 15.49% | -1,079 bps | |
| Net Worth / Assets | 26.28% | 23.49% | 18.93% | 16.13% | 15.49% | -1,079 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 34.80% | 35.71% | 31.74% | 32.48% | 36.18% | +138 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |