Cedarville, NJ · Charter 3476
NCUA · 2 branches
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 | 0.75% | 0.46% | 0.24% | 0.65% | 0.29% | 0.34% | -0.19% | 0.23% | -42 bps | |
| Return on Equity | 8.78% | 5.66% | 3.08% | 8.01% | 3.71% | 4.43% | -2.58% | 2.96% | -506 bps | |
| Net Interest Margin | 6.08% | 6.12% | 5.92% | 6.09% | 6.07% | 5.95% | 5.72% | 5.83% | -27 bps | |
| Efficiency Ratio | 75.31% | 74.29% | 75.16% | 73.12% | 77.33% | 78.19% | 77.69% | 78.41% | +528 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.40% | 0.87% | 3.40% | 1.91% | 5.07% | 6.57% | 1.95% | 2.35% | +44 bps | |
| Loan Growth (YoY) | 23.57% | 16.02% | 11.30% | 11.57% | 7.90% | 6.07% | 7.08% | 7.29% | -428 bps | |
| Share Growth (YoY) | -2.36% | 1.71% | 4.50% | 2.70% | 5.24% | 6.51% | 2.07% | 1.61% | -109 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.82% | 2.50% | 1.82% | 1.69% | 1.71% | 1.85% | 1.44% | 1.19% | -51 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.52% | 8.04% | 7.66% | 8.06% | 7.94% | 7.60% | 7.46% | 7.73% | -33 bps | |
| Net Worth / Assets | 8.52% | 8.04% | 7.66% | 8.06% | 7.94% | 7.60% | 7.46% | 7.73% | -33 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 93.75% | 94.63% | 90.03% | 96.30% | 96.13% | 94.24% | 94.45% | 101.68% | +538 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |