Linden, NJ · Charter 2617
NCUA · 1 branch
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 | 0.84% | 1.07% | 0.69% | 1.04% | 0.91% | 1.28% | 0.86% | 0.84% | -20 bps | |
| Return on Equity | 3.11% | 3.80% | 2.38% | 3.51% | 3.05% | 4.13% | 2.73% | 2.62% | -89 bps | |
| Net Interest Margin | 2.26% | 2.52% | 2.26% | 2.66% | 2.57% | 2.95% | 2.51% | 2.43% | -23 bps | |
| Efficiency Ratio | 63.68% | 58.59% | 69.93% | 61.31% | 64.97% | 57.23% | 66.36% | 65.85% | +454 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.97% | -8.23% | -8.59% | -7.71% | -5.73% | -5.60% | -3.51% | -4.10% | +361 bps | |
| Loan Growth (YoY) | 0.14% | -6.28% | -8.48% | -7.87% | -7.29% | -1.34% | 1.59% | -1.37% | +649 bps | |
| Share Growth (YoY) | -10.65% | -10.46% | -11.07% | -10.90% | -8.31% | -9.61% | -6.91% | -7.66% | +324 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.95% | 4.95% | 1.61% | 1.15% | 1.19% | 1.64% | 0.32% | 0.60% | -55 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 | 4.71% | 3.69% | 3.97% | 3.80% | 4.08% | 4.68% | 4.93% | 5.16% | +136 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 27.13% | 28.05% | 29.01% | 29.74% | 29.90% | 30.99% | 31.39% | 32.21% | +246 bps | |
| Net Worth / Assets | 27.13% | 28.05% | 29.01% | 29.74% | 29.90% | 30.99% | 31.39% | 32.21% | +246 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 15.78% | 15.36% | 15.21% | 15.66% | 15.96% | 16.76% | 16.60% | 16.73% | +107 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |