Hoboken, NJ · Charter 4158
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.42% | 0.45% | 0.46% | 0.60% | 0.53% | +11 bps | |
| Return on Equity | 1.62% | 1.75% | 1.80% | 2.39% | 2.10% | +47 bps | |
| Net Interest Margin | 3.06% | 3.10% | 3.17% | 3.35% | 3.52% | +46 bps | |
| Efficiency Ratio | 86.64% | 85.69% | 85.75% | 82.56% | 79.42% | -722 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.36% | 3.70% | 4.63% | 4.68% | 3.41% | +6 bps | |
| Loan Growth (YoY) | -10.87% | -10.10% | -4.75% | 2.28% | 3.99% | +1,487 bps | |
| Share Growth (YoY) | 3.66% | 4.26% | 5.57% | 5.67% | 3.89% | +23 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.56% | 1.53% | 1.20% | 0.90% | 0.64% | -91 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 25.76% | 26.00% | 25.73% | 25.03% | 25.36% | -40 bps | |
| Net Worth / Assets | 25.76% | 26.00% | 25.73% | 25.03% | 25.36% | -40 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 35.93% | 34.82% | 34.84% | 33.55% | 35.96% | +4 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |