Plainfield, NJ · Charter 2892
NCUA · 1 branch
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 | 0.34% | 0.44% | 0.29% | 6.30% | 3.10% | +276 bps | |
| Return on Equity | 1.55% | 1.99% | 1.27% | 24.51% | 12.16% | +1,062 bps | |
| Net Interest Margin | 5.70% | 6.69% | 6.53% | 14.93% | 10.39% | +469 bps | |
| Efficiency Ratio | 94.51% | 93.82% | 95.86% | 58.51% | 71.76% | -2,275 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -14.55% | -14.66% | -12.76% | -9.09% | -8.06% | +649 bps | |
| Loan Growth (YoY) | -5.37% | -12.50% | -12.00% | -6.56% | -1.67% | +370 bps | |
| Share Growth (YoY) | -17.66% | -18.14% | -16.24% | -14.06% | -13.13% | +453 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 10.91% | 14.07% | 16.17% | 16.17% | 20.87% | +996 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.85% | 1.92% | 1.91% | 2.45% | 2.35% | +50 bps | |
| Capital | |||||||
| Risk-Based Capital | 21.90% | 22.18% | 22.72% | 25.71% | 25.47% | +357 bps | |
| Net Worth / Assets | 21.90% | 22.18% | 22.72% | 25.71% | 25.47% | +357 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 44.35% | 43.96% | 45.64% | 48.65% | 50.20% | +585 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |