Red Bank, NJ · Charter 61872
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.05% | 0.06% | 0.16% | -0.60% | -0.59% | -54 bps | |
| Return on Equity | -0.25% | 0.28% | 0.76% | -2.87% | -2.88% | -263 bps | |
| Net Interest Margin | 2.00% | 2.14% | 2.22% | 2.27% | 2.39% | +39 bps | |
| Efficiency Ratio | 102.43% | 97.40% | 93.08% | 125.52% | 124.16% | +2,172 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.28% | -1.94% | -6.96% | -6.56% | -3.80% | -352 bps | |
| Loan Growth (YoY) | -7.41% | -10.93% | -10.40% | -12.70% | -21.18% | -1,377 bps | |
| Share Growth (YoY) | -0.26% | -2.42% | -8.83% | -8.22% | -4.62% | -436 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.26% | 0.14% | 0.14% | 0.13% | 0.15% | -11 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 | 19.96% | 20.31% | 20.88% | 20.84% | 20.64% | +68 bps | |
| Net Worth / Assets | 19.96% | 20.31% | 20.88% | 20.84% | 20.64% | +68 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 17.32% | 16.58% | 16.98% | 16.36% | 14.31% | -301 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |