PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Bridgeton Onized

Cedarville, NJ · Charter 3476

NCUA · 2 branches

Q2 2026

$49.7MAssets
$45.5MLoans
$44.7MShares
$3.8MNet 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 0.23%, down 42 bps year over year; NIM at 5.83%.
  • Asset quality: problem loans at 1.19% of loans (-51 bps YoY).
  • Capital: net worth / assets of 7.73%, down 33 bps from a year ago.
  • Funding: loans stand at 101.68% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.23%-42 bps YoY

Net Interest Margin (YTD, annualized)

5.83%-27 bps YoY

Efficiency Ratio (YTD, annualized)

78.41%+528 bps YoY

Net Worth / Assets

7.73%-33 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.65%0.29%0.34%-0.19%0.23%-42 bps
Return on Equity8.01%3.71%4.43%-2.58%2.96%-506 bps
Net Interest Margin6.09%6.07%5.95%5.72%5.83%-27 bps
Efficiency Ratio73.12%77.33%78.19%77.69%78.41%+528 bps
Growth
Asset Growth (YoY)1.91%5.07%6.57%1.95%2.35%+44 bps
Loan Growth (YoY)11.57%7.90%6.07%7.08%7.29%-428 bps
Share Growth (YoY)2.70%5.24%6.51%2.07%1.61%-109 bps
Asset Quality
Delinquent Loans / Loans1.69%1.71%1.85%1.44%1.19%-51 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital8.06%7.94%7.60%7.46%7.73%-33 bps
Net Worth / Assets8.06%7.94%7.60%7.46%7.73%-33 bps
Liquidity & Funding
Loans / Shares96.30%96.13%94.24%94.45%101.68%+538 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps