Jersey City, NJ · Charter 5987
NCUA · 1 branch
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 | 0.91% | 1.00% | 0.99% | 0.83% | 1.31% | 1.29% | 1.48% | 1.13% | +30 bps | |
| Return on Equity | 8.27% | 8.85% | 8.66% | 7.31% | 11.22% | 10.83% | 12.03% | 9.11% | +180 bps | |
| Net Interest Margin | 6.40% | 6.60% | 6.35% | 6.18% | 5.95% | 5.90% | 5.65% | 5.61% | -57 bps | |
| Efficiency Ratio | 59.93% | 59.28% | 59.64% | 62.98% | 59.41% | 62.89% | 59.83% | 65.82% | +283 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.03% | -2.14% | -0.36% | 1.36% | 4.04% | 4.75% | 3.46% | 2.17% | +82 bps | |
| Loan Growth (YoY) | -2.55% | -6.20% | -9.70% | -5.31% | -8.72% | -6.39% | -7.88% | -13.37% | -806 bps | |
| Share Growth (YoY) | -9.02% | -3.91% | -2.18% | -0.23% | 2.66% | 3.38% | 1.97% | 0.59% | +83 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.35% | 2.08% | 2.40% | 3.18% | 2.93% | 3.60% | 4.21% | 2.02% | -116 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 | 10.99% | 11.31% | 11.43% | 11.36% | 11.67% | 11.93% | 12.31% | 12.40% | +104 bps | |
| Net Worth / Assets | 10.99% | 11.31% | 11.43% | 11.36% | 11.67% | 11.93% | 12.31% | 12.40% | +104 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 31.06% | 31.93% | 29.34% | 28.66% | 27.62% | 28.91% | 26.51% | 24.68% | -398 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |