PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Atlantic City Electric Co. Emp

Mays Landing, NJ · Charter 3755

NCUA · 1 branch

Q2 2026

$62.5MAssets
$22.4MLoans
$55.7MShares
$9.1MNet 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 0.62%, down 33 bps year over year; NIM at 3.64%.
  • Asset quality: problem loans at 1.98% of loans (+26 bps YoY).
  • Capital: net worth / assets of 14.58%, up 34 bps from a year ago.
  • Funding: loans stand at 40.27% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.62%-33 bps YoY

Net Interest Margin (YTD, annualized)

3.64%+5 bps YoY

Efficiency Ratio (YTD, annualized)

78.19%+892 bps YoY

Net Worth / Assets

14.58%+34 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.95%0.96%0.79%0.70%0.62%-33 bps
Return on Equity6.66%6.61%5.38%5.02%4.24%-242 bps
Net Interest Margin3.59%3.64%3.51%3.47%3.64%+5 bps
Efficiency Ratio69.27%70.80%75.66%77.01%78.19%+892 bps
Growth
Asset Growth (YoY)2.33%2.47%2.63%2.76%1.40%-93 bps
Loan Growth (YoY)9.51%8.47%7.62%2.20%4.09%-542 bps
Share Growth (YoY)0.04%1.40%0.11%1.53%0.31%+27 bps
Asset Quality
Delinquent Loans / Loans1.72%2.31%2.68%2.67%1.98%+26 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 Capital14.23%14.49%14.69%13.97%14.58%+34 bps
Net Worth / Assets14.23%14.49%14.69%13.97%14.58%+34 bps
Liquidity & Funding
Loans / Shares38.81%40.11%41.64%37.29%40.27%+146 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps