Bayonne, NJ · Charter 2641
NCUA · 1 branch
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 | 1.28% | 2.27% | 1.32% | 1.69% | 1.12% | -16 bps | |
| Return on Equity | 20.35% | 15.63% | 13.49% | 22.04% | 16.97% | -338 bps | |
| Net Interest Margin | 2.03% | 3.86% | 2.45% | 3.12% | 1.98% | -6 bps | |
| Efficiency Ratio | 38.13% | 42.36% | 47.40% | 46.08% | 44.31% | +618 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.66% | 3.30% | 4.31% | 6.95% | 6.17% | +151 bps | |
| Loan Growth (YoY) | -2.90% | -2.26% | -6.28% | -7.51% | 4.82% | +772 bps | |
| Share Growth (YoY) | 4.26% | 2.02% | 3.41% | 6.73% | 5.92% | +166 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.44% | 0.62% | 0.39% | 0.00% | 1.05% | +61 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.79% | 1.89% | 1.96% | 3.03% | 1.70% | -8 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.29% | 14.56% | 9.76% | 7.67% | 6.58% | +29 bps | |
| Net Worth / Assets | 6.29% | 14.56% | 9.76% | 7.67% | 6.58% | +29 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 4.88% | 11.58% | 7.12% | 3.39% | 4.83% | -5 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 89.56% | 91.73% | 0.00% | 0 bps | |