PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Community Financial Services

Roselle, NJ · Charter 6179

NCUA · 1 branch

Q2 2026

$30.6MAssets
$10.1MLoans
$27.0MShares
$4.1MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -0.74%, down 51 bps year over year; NIM at 3.86%.
  • Asset quality: problem loans at 2.88% of loans (-1,073 bps YoY).
  • Capital: net worth / assets of 13.44%, down 33 bps from a year ago.
  • Funding: loans stand at 37.44% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.74%-51 bps YoY

Net Interest Margin (YTD, annualized)

3.86%+9 bps YoY

Efficiency Ratio (YTD, annualized)

115.75%+1,103 bps YoY

Net Worth / Assets

13.44%-33 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.22%-0.28%-0.77%-0.89%-0.74%-51 bps
Return on Equity-1.63%-2.03%-5.65%-6.74%-5.50%-387 bps
Net Interest Margin3.77%3.89%3.93%3.62%3.86%+9 bps
Efficiency Ratio104.72%105.79%108.33%119.90%115.75%+1,103 bps
Growth
Asset Growth (YoY)-8.61%-2.62%-2.28%-4.83%-4.87%+375 bps
Loan Growth (YoY)-4.60%-3.62%-17.54%-19.53%-19.17%-1,457 bps
Share Growth (YoY)-10.44%-3.00%-2.96%-5.25%-4.77%+567 bps
Asset Quality
Delinquent Loans / Loans13.61%14.08%2.63%2.95%2.88%-1,073 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital13.77%14.02%13.71%13.14%13.44%-33 bps
Net Worth / Assets13.77%14.02%13.71%13.14%13.44%-33 bps
Liquidity & Funding
Loans / Shares44.11%44.84%39.05%36.13%37.44%-667 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps