Newark, NJ · Charter 4894
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 | -0.90% | -0.85% | -0.70% | -0.66% | -0.78% | +12 bps | |
| Return on Equity | -5.26% | -4.95% | -4.03% | -3.84% | -4.52% | +73 bps | |
| Net Interest Margin | 3.24% | 3.31% | 3.38% | 3.18% | 3.44% | +19 bps | |
| Efficiency Ratio | 107.66% | 106.65% | 105.54% | 109.08% | 110.80% | +313 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.41% | -2.13% | -1.46% | -4.15% | -4.27% | -468 bps | |
| Loan Growth (YoY) | -4.35% | -3.45% | -1.77% | -3.91% | -11.73% | -738 bps | |
| Share Growth (YoY) | 0.67% | -1.88% | -1.35% | -4.82% | -4.48% | -515 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.41% | 0.14% | 0.10% | 0.11% | 0.10% | -31 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 | 17.19% | 17.08% | 17.26% | 17.16% | 17.32% | +13 bps | |
| Net Worth / Assets | 17.19% | 17.08% | 17.26% | 17.16% | 17.32% | +13 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 70.87% | 69.10% | 70.41% | 66.50% | 65.49% | -538 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |