Kenilworth, NJ · Charter 477
NCUA · 3 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 | -0.21% | -0.16% | 0.60% | 0.29% | 0.04% | -0.63% | -0.48% | -0.10% | -39 bps | |
| Return on Equity | -1.56% | -1.18% | 4.33% | 2.09% | 0.28% | -4.70% | -3.54% | -0.72% | -281 bps | |
| Net Interest Margin | 3.37% | 3.42% | 3.70% | 3.74% | 3.77% | 3.84% | 3.82% | 3.91% | +17 bps | |
| Efficiency Ratio | 87.04% | 86.32% | 76.83% | 81.39% | 85.29% | 86.59% | 88.33% | 88.08% | +669 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.11% | 1.63% | -5.32% | -1.28% | -1.76% | -3.38% | -4.01% | -3.34% | -206 bps | |
| Loan Growth (YoY) | 4.99% | 3.69% | 0.23% | -2.57% | -2.12% | -5.55% | -3.45% | -2.86% | -29 bps | |
| Share Growth (YoY) | 0.52% | 2.56% | -6.14% | -1.55% | -2.20% | -3.68% | -3.82% | -3.39% | -184 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.38% | 1.54% | 1.52% | 1.48% | 3.51% | 5.31% | 3.36% | 3.51% | +203 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 | 13.76% | 13.62% | 13.91% | 14.05% | 13.93% | 13.36% | 13.47% | 13.59% | -46 bps | |
| Net Worth / Assets | 13.76% | 13.62% | 13.91% | 14.05% | 13.93% | 13.36% | 13.47% | 13.59% | -46 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 90.65% | 91.28% | 90.77% | 90.38% | 90.72% | 89.50% | 91.12% | 90.88% | +50 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |