Vineland, NJ · Charter 3541
NCUA · 3 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 | 0.39% | 0.50% | 0.75% | 0.95% | 0.95% | 0.74% | 0.26% | 0.33% | -62 bps | |
| Return on Equity | 4.66% | 5.58% | 8.65% | 10.73% | 10.34% | 8.21% | 2.87% | 3.69% | -703 bps | |
| Net Interest Margin | 3.44% | 3.67% | 3.84% | 3.99% | 4.07% | 4.00% | 4.14% | 4.15% | +16 bps | |
| Efficiency Ratio | 88.04% | 87.65% | 85.02% | 82.24% | 81.32% | 84.37% | 91.61% | 89.20% | +697 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.48% | 4.50% | -0.70% | 1.74% | 1.67% | 8.64% | 3.66% | 4.80% | +306 bps | |
| Loan Growth (YoY) | 3.47% | 2.48% | 4.17% | -1.45% | 0.04% | 4.73% | 7.90% | 16.55% | +1,800 bps | |
| Share Growth (YoY) | 3.32% | 4.23% | 4.63% | 4.19% | 4.44% | 7.57% | 3.17% | 4.69% | +49 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.21% | 0.14% | 0.22% | 0.23% | 0.37% | 0.10% | 0.28% | 0.23% | 0 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 | 8.43% | 8.95% | 8.65% | 8.90% | 9.18% | 8.97% | 8.96% | 8.92% | +2 bps | |
| Net Worth / Assets | 8.43% | 8.95% | 8.65% | 8.90% | 9.18% | 8.97% | 8.96% | 8.92% | +2 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 52.05% | 51.76% | 48.78% | 48.93% | 49.85% | 50.39% | 51.02% | 54.47% | +555 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |