Vineland, NJ · Charter 2574
NCUA · 3 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.42% | 0.40% | 0.50% | 0.59% | 1.01% | 1.05% | 0.72% | 0.64% | +5 bps | |
| Return on Equity | 5.34% | 5.20% | 6.63% | 6.57% | 10.57% | 10.77% | 7.45% | 6.70% | +13 bps | |
| Net Interest Margin | 3.42% | 3.34% | 3.51% | 3.49% | 3.69% | 3.71% | 3.75% | 3.72% | +23 bps | |
| Efficiency Ratio | 90.04% | 90.47% | 89.91% | 87.64% | 80.54% | 78.78% | 85.02% | 85.62% | -202 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.53% | 1.62% | 2.80% | 50.66% | 58.10% | 53.12% | 52.68% | 4.40% | -4,626 bps | |
| Loan Growth (YoY) | 2.94% | 1.28% | 0.31% | 19.33% | 16.63% | 16.17% | 18.50% | -1.13% | -2,046 bps | |
| Share Growth (YoY) | 0.57% | 1.92% | 2.51% | 48.09% | 52.85% | 49.18% | 49.58% | 3.72% | -4,437 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.30% | 0.70% | 0.58% | 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 | 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 | 7.95% | 7.74% | 7.61% | 9.04% | 9.51% | 9.75% | 9.63% | 9.57% | +52 bps | |
| Net Worth / Assets | 7.95% | 7.74% | 7.61% | 9.04% | 9.51% | 9.75% | 9.63% | 9.57% | +52 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.62% | 65.08% | 60.84% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |