PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Clifton NJ Postal Employees

Clifton, NJ · Charter 277

NCUA · 1 branch

Q2 2026

$2.1MAssets
$373KLoans
$1.2MShares
$1.1MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.10%, up 68 bps year over year; NIM at 3.72%.
  • Asset quality: problem loans at 6.71% of loans (-134 bps YoY).
  • Capital: net worth / assets of 52.17%, up 82 bps from a year ago.
  • Funding: loans stand at 32.17% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.10%+68 bps YoY

Net Interest Margin (YTD, annualized)

3.72%+52 bps YoY

Efficiency Ratio (YTD, annualized)

97.40%-1,993 bps YoY

Net Worth / Assets

52.17%+82 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.58%-0.52%-0.50%-0.19%0.10%+68 bps
Return on Equity-1.12%-1.02%-0.95%-0.37%0.19%+132 bps
Net Interest Margin3.20%3.12%3.21%3.54%3.72%+52 bps
Efficiency Ratio117.33%115.90%114.79%105.33%97.40%-1,993 bps
Growth
Asset Growth (YoY)-5.32%-6.88%-5.08%-3.06%-1.86%+347 bps
Loan Growth (YoY)-28.23%-25.94%-7.63%-9.81%-4.56%+2,367 bps
Share Growth (YoY)-13.31%-13.00%-11.57%-6.18%-2.95%+1,035 bps
Asset Quality
Delinquent Loans / Loans8.05%1.73%0.76%7.18%6.71%-134 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.29%3.41%2.16%2.48%2.65%-64 bps
Capital
Risk-Based Capital51.35%51.07%52.41%52.06%52.17%+82 bps
Net Worth / Assets51.35%51.07%52.41%52.06%52.17%+82 bps
Liquidity & Funding
Loans / Shares32.71%30.67%40.42%34.44%32.17%-54 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps