Trenton, NJ · Charter 2932
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 | 2.61% | 2.36% | 2.27% | 2.01% | 1.86% | 1.70% | 1.64% | 1.53% | -48 bps | |
| Return on Equity | 12.88% | 13.08% | 13.61% | 9.68% | 8.64% | 8.70% | 9.06% | 6.85% | -283 bps | |
| Net Interest Margin | 6.02% | 5.27% | 4.71% | 5.03% | 5.04% | 4.51% | 4.20% | 4.59% | -44 bps | |
| Efficiency Ratio | 58.07% | 56.73% | 52.28% | 61.14% | 64.14% | 63.72% | 61.56% | 67.83% | +669 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.72% | 0.44% | 1.32% | -0.27% | 4.13% | 1.46% | -0.14% | 0.35% | +62 bps | |
| Loan Growth (YoY) | 6.91% | 14.71% | 10.17% | 13.28% | -10.59% | -15.17% | -17.70% | -11.93% | -2,521 bps | |
| Share Growth (YoY) | -6.63% | -2.37% | 3.05% | -3.18% | 2.43% | -0.22% | -1.79% | -1.67% | +152 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.44% | 2.99% | 5.21% | 9.85% | 3.94% | 3.88% | 5.57% | 13.59% | +373 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 | 5.47% | 5.34% | 7.52% | 12.01% | 5.00% | 5.14% | 7.47% | 12.75% | +74 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.23% | 18.06% | 16.67% | 20.81% | 21.59% | 19.50% | 18.07% | 22.39% | +157 bps | |
| Net Worth / Assets | 20.23% | 18.06% | 16.67% | 20.81% | 21.59% | 19.50% | 18.07% | 22.39% | +157 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 22.12% | 18.93% | 11.78% | 8.36% | 19.31% | 16.09% | 9.87% | 7.48% | -87 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |