Monroe Township, NJ · Charter 5321
NCUA · 1 branch
Q1 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 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.86% | 1.49% | 1.29% | 0.35% | -3.31% | -617 bps | |
| Return on Equity | 14.41% | 7.16% | 5.62% | 1.49% | -14.52% | -2,893 bps | |
| Net Interest Margin | 3.86% | 2.13% | 1.82% | 0.95% | -0.10% | -396 bps | |
| Efficiency Ratio | 26.64% | 31.18% | 30.70% | 64.11% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -11.14% | -14.00% | -16.54% | -21.08% | -17.91% | -677 bps | |
| Loan Growth (YoY) | -10.58% | -22.52% | -39.93% | -48.37% | -50.73% | -4,015 bps | |
| Share Growth (YoY) | -13.25% | -17.33% | -20.70% | -25.43% | -20.92% | -766 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 94.37% | +9,437 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 | 19.85% | 20.84% | 22.98% | 23.67% | 22.79% | +294 bps | |
| Net Worth / Assets | 19.85% | 20.84% | 22.98% | 23.67% | 22.79% | +294 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 13.34% | 12.18% | 11.69% | 9.60% | 8.31% | -503 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |