Sayreville, NJ · Charter 4726
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 | 1.23% | 1.07% | 1.16% | 0.96% | 1.17% | -7 bps | |
| Return on Equity | 15.70% | 13.20% | 13.72% | 11.32% | 13.26% | -245 bps | |
| Net Interest Margin | 3.50% | 3.63% | 3.71% | 3.73% | 3.82% | +32 bps | |
| Efficiency Ratio | 76.28% | 76.27% | 72.27% | 78.29% | 74.23% | -205 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.46% | 1.84% | 3.08% | 1.91% | 2.29% | -17 bps | |
| Loan Growth (YoY) | 0.09% | 0.92% | 2.78% | 9.88% | 12.67% | +1,258 bps | |
| Share Growth (YoY) | 0.05% | 0.11% | 0.87% | 0.27% | 0.60% | +55 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.77% | 0.72% | 0.72% | 0.56% | 1.24% | +47 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 | 7.86% | 8.11% | 8.42% | 8.48% | 8.79% | +93 bps | |
| Net Worth / Assets | 7.86% | 8.11% | 8.42% | 8.48% | 8.79% | +93 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 35.54% | 36.57% | 37.38% | 38.06% | 39.80% | +426 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |