Northfield, NJ · Charter 3420
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 | 2.02% | 2.20% | 1.84% | 1.29% | 1.32% | -70 bps | |
| Return on Equity | 9.75% | 10.57% | 8.63% | 6.18% | 6.23% | -352 bps | |
| Net Interest Margin | 4.69% | 4.45% | 4.38% | 3.67% | 3.68% | -101 bps | |
| Efficiency Ratio | 56.39% | 51.18% | 58.64% | 65.74% | 65.29% | +891 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.34% | 0.69% | -0.12% | 3.59% | 4.82% | +148 bps | |
| Loan Growth (YoY) | 5.77% | 1.00% | -7.84% | -18.29% | -18.06% | -2,383 bps | |
| Share Growth (YoY) | 1.24% | -1.88% | -2.53% | 2.37% | 4.21% | +297 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.29% | 0.96% | 2.02% | +202 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.11% | 1.57% | 1.64% | 1.75% | 1.97% | -14 bps | |
| Capital | |||||||
| Risk-Based Capital | 20.72% | 20.78% | 21.32% | 20.92% | 21.24% | +52 bps | |
| Net Worth / Assets | 20.72% | 20.78% | 21.32% | 20.92% | 21.24% | +52 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 20.17% | 19.07% | 18.74% | 16.82% | 15.86% | -431 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |