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Letter portraitLegal landscapeQuarterYTD

Deepwater Industries

Deepwater, NJ · Charter 430

NCUA · 2 branches

Q2 2026

$113.6MAssets
$59.5MLoans
$98.8MShares
$12.7MNet Worth

Executive Summary

  • Earnings: ROA of 1.68%, up 63 bps year over year; NIM at 4.20%.
  • Asset quality: problem loans at 1.00% of loans (+31 bps YoY).
  • Capital: net worth / assets of 11.16%, up 120 bps from a year ago.
  • Funding: loans stand at 60.21% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

1.68%+63 bps YoY

Net Interest Margin (quarter, annualized)

4.20%+63 bps YoY

Efficiency Ratio (quarter, annualized)

66.17%-488 bps YoY

Net Worth / Assets

11.16%+120 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.61%0.49%0.90%1.04%0.97%1.10%1.81%1.68%+63 bps
Return on Equity6.22%5.15%9.49%10.48%9.51%10.47%16.72%15.02%+454 bps
Net Interest Margin3.20%3.12%3.66%3.57%3.62%3.64%4.33%4.20%+63 bps
Efficiency Ratio80.38%83.08%76.15%71.04%71.54%71.26%69.33%66.17%-488 bps
Growth
Asset Growth (YoY)-1.28%1.35%1.14%1.46%2.95%0.89%0.35%2.14%+67 bps
Loan Growth (YoY)3.60%3.94%2.61%1.35%1.21%1.32%0.60%10.74%+939 bps
Share Growth (YoY)-2.77%0.19%-0.06%0.32%1.38%-0.57%-1.98%-0.57%-89 bps
Asset Quality
Delinquent Loans / Loans0.34%0.44%0.43%0.69%0.42%0.52%0.44%1.00%+31 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.74%9.53%9.52%9.96%10.24%10.56%10.80%11.16%+120 bps
Net Worth / Assets9.74%9.53%9.52%9.96%10.24%10.56%10.80%11.16%+120 bps
Liquidity & Funding
Loans / Shares55.51%54.40%52.84%54.06%55.42%55.44%54.23%60.21%+615 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps