Vineland, NJ · Charter 2574
NCUA · 3 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 | 0.59% | 1.01% | 1.05% | 0.72% | 0.64% | +5 bps | |
| Return on Equity | 6.57% | 10.57% | 10.77% | 7.45% | 6.70% | +13 bps | |
| Net Interest Margin | 3.49% | 3.69% | 3.71% | 3.75% | 3.72% | +23 bps | |
| Efficiency Ratio | 87.64% | 80.54% | 78.78% | 85.02% | 85.62% | -202 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 50.66% | 58.10% | 53.12% | 52.68% | 4.40% | -4,626 bps | |
| Loan Growth (YoY) | 19.33% | 16.63% | 16.17% | 18.50% | -1.13% | -2,046 bps | |
| Share Growth (YoY) | 48.09% | 52.85% | 49.18% | 49.58% | 3.72% | -4,437 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.69% | 0.85% | 0.90% | 0.89% | 0.65% | -4 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 | 9.04% | 9.51% | 9.75% | 9.63% | 9.57% | +52 bps | |
| Net Worth / Assets | 9.04% | 9.51% | 9.75% | 9.63% | 9.57% | +52 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 50.12% | 50.83% | 50.68% | 48.20% | 47.78% | -234 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |