PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Federal Employees Newark

Newark, NJ · Charter 4894

NCUA · 1 branch

Q2 2026

$14.4MAssets
$7.9MLoans
$12.0MShares
$2.5MNet Worth

Executive Summary

  • Earnings: ROA of -0.78%, up 12 bps year over year; NIM at 3.44%.
  • Asset quality: problem loans at 0.10% of loans (-31 bps YoY).
  • Capital: net worth / assets of 17.32%, up 13 bps from a year ago.
  • Funding: loans stand at 65.49% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

-0.78%+12 bps YoY

Net Interest Margin (quarter, annualized)

3.44%+19 bps YoY

Efficiency Ratio (quarter, annualized)

110.80%+313 bps YoY

Net Worth / Assets

17.32%+13 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.26%-0.45%-1.55%-0.90%-0.85%-0.70%-0.66%-0.78%+12 bps
Return on Equity-1.45%-2.56%-9.17%-5.26%-4.95%-4.03%-3.84%-4.52%+73 bps
Net Interest Margin3.18%3.18%2.85%3.24%3.31%3.38%3.18%3.44%+19 bps
Efficiency Ratio107.25%110.77%128.53%107.66%106.65%105.54%109.08%110.80%+313 bps
Growth
Asset Growth (YoY)1.90%1.18%0.95%0.41%-2.13%-1.46%-4.15%-4.27%-468 bps
Loan Growth (YoY)-12.53%-12.25%-10.25%-4.35%-3.45%-1.77%-3.91%-11.73%-738 bps
Share Growth (YoY)3.47%3.07%3.30%0.67%-1.88%-1.35%-4.82%-4.48%-515 bps
Asset Quality
Delinquent Loans / Loans0.89%0.63%0.43%0.41%0.14%0.10%0.11%0.10%-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 Capital17.59%17.70%16.88%17.19%17.08%17.26%17.16%17.32%+13 bps
Net Worth / Assets17.59%17.70%16.88%17.19%17.08%17.26%17.16%17.32%+13 bps
Liquidity & Funding
Loans / Shares70.23%70.71%65.87%70.87%69.10%70.41%66.50%65.49%-538 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps