PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Central Jersey Police & Fire

Hamilton, NJ · Charter 3202

NCUA · 2 branches

Q2 2026

$52.3MAssets
$30.2MLoans
$44.6MShares
$7.5MNet Worth

Executive Summary

  • Earnings: ROA of 1.84%, up 24 bps year over year; NIM at 3.21%.
  • Asset quality: problem loans at 0.48% of loans (-12 bps YoY).
  • Capital: net worth / assets of 14.40%, down 49 bps from a year ago.
  • Funding: loans stand at 67.63% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.84%+24 bps YoY

Net Interest Margin (YTD, annualized)

3.21%-4 bps YoY

Efficiency Ratio (YTD, annualized)

45.82%-813 bps YoY

Net Worth / Assets

14.40%-49 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.47%1.36%1.41%1.59%1.59%1.11%2.01%1.84%+24 bps
Return on Equity10.33%9.34%9.84%10.70%10.64%7.65%13.81%12.75%+205 bps
Net Interest Margin3.05%3.05%3.13%3.25%3.17%2.76%3.46%3.21%-4 bps
Efficiency Ratio54.91%58.32%57.75%53.94%52.86%62.30%45.28%45.82%-813 bps
Growth
Asset Growth (YoY)1.56%2.49%5.79%2.69%5.28%7.87%7.63%13.27%+1,058 bps
Loan Growth (YoY)11.04%6.96%5.72%3.38%1.83%3.28%3.47%7.59%+420 bps
Share Growth (YoY)-2.10%-0.32%2.93%0.06%4.70%6.32%6.61%13.21%+1,315 bps
Asset Quality
Delinquent Loans / Loans0.87%0.28%0.62%0.60%0.67%0.50%0.51%0.48%-12 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital14.23%14.52%14.31%14.90%14.95%14.57%14.55%14.40%-49 bps
Net Worth / Assets14.23%14.52%14.31%14.90%14.95%14.57%14.55%14.40%-49 bps
Liquidity & Funding
Loans / Shares73.35%72.00%70.23%71.17%71.35%69.95%68.16%67.63%-353 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps