Deptford, NJ · Charter 3951
NCUA · 7 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 | -0.13% | -0.13% | -0.15% | 1.30% | 0.82% | 0.61% | 0.08% | 0.35% | -95 bps | |
| Return on Equity | -1.60% | -1.60% | -1.83% | 15.28% | 9.80% | 7.43% | 1.00% | 4.39% | -1,089 bps | |
| Net Interest Margin | 2.43% | 2.47% | 2.54% | 2.52% | 2.61% | 2.73% | 3.56% | 4.06% | +154 bps | |
| Efficiency Ratio | 99.28% | 98.05% | 101.60% | 74.64% | 82.03% | 85.44% | 89.05% | 86.23% | +1,159 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.69% | -3.75% | -6.01% | -1.77% | 0.22% | 5.28% | 7.53% | 7.69% | +946 bps | |
| Loan Growth (YoY) | -0.53% | -1.14% | -0.17% | 3.76% | 11.33% | 17.31% | 24.33% | 24.25% | +2,049 bps | |
| Share Growth (YoY) | -0.49% | 2.08% | -3.34% | -1.57% | 3.29% | 4.40% | 7.66% | 7.88% | +945 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.84% | 0.79% | 0.66% | 0.64% | 0.58% | 0.69% | 0.66% | 0.96% | +32 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 | 7.91% | 8.13% | 8.02% | 8.52% | 8.40% | 8.27% | 8.04% | 8.00% | -52 bps | |
| Net Worth / Assets | 7.91% | 8.13% | 8.02% | 8.52% | 8.40% | 8.27% | 8.04% | 8.00% | -52 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.93% | 69.31% | 68.99% | 71.67% | 76.45% | 77.88% | 79.68% | 82.55% | +1,088 bps | |
| Liquid Assets / Assets | 100.00% | 100.15% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 99.74% | +9,974 bps | |