PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

The Atlantic

Kenilworth, NJ · Charter 477

NCUA · 3 branches

Q2 2026

$235.1MAssets
$184.0MLoans
$202.5MShares
$31.9MNet 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 -0.10%, down 39 bps year over year; NIM at 3.91%.
  • Asset quality: problem loans at 3.51% of loans (+203 bps YoY).
  • Capital: net worth / assets of 13.59%, down 46 bps from a year ago.
  • Funding: loans stand at 90.88% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

-0.10%-39 bps YoY

Net Interest Margin (quarter, annualized)

3.91%+17 bps YoY

Efficiency Ratio (quarter, annualized)

88.08%+669 bps YoY

Net Worth / Assets

13.59%-46 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.29%0.04%-0.63%-0.48%-0.10%-39 bps
Return on Equity2.09%0.28%-4.70%-3.54%-0.72%-281 bps
Net Interest Margin3.74%3.77%3.84%3.82%3.91%+17 bps
Efficiency Ratio81.39%85.29%86.59%88.33%88.08%+669 bps
Growth
Asset Growth (YoY)-1.28%-1.76%-3.38%-4.01%-3.34%-206 bps
Loan Growth (YoY)-2.57%-2.12%-5.55%-3.45%-2.86%-29 bps
Share Growth (YoY)-1.55%-2.20%-3.68%-3.82%-3.39%-184 bps
Asset Quality
Delinquent Loans / Loans1.48%3.51%5.31%3.36%3.51%+203 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 Capital14.05%13.93%13.36%13.47%13.59%-46 bps
Net Worth / Assets14.05%13.93%13.36%13.47%13.59%-46 bps
Liquidity & Funding
Loans / Shares90.38%90.72%89.50%91.12%90.88%+50 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps