Irvington, NJ · Charter 62855
NCUA · 1 branch
Q2 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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.42% | 1.27% | 1.75% | 0.89% | 1.56% | +14 bps | |
| Return on Equity | 7.81% | 7.08% | 9.39% | 4.88% | 8.73% | +92 bps | |
| Net Interest Margin | 4.97% | 4.58% | 5.09% | 3.90% | 4.31% | -66 bps | |
| Efficiency Ratio | 55.82% | 60.36% | 56.85% | 68.13% | 57.67% | +184 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.82% | 2.36% | 2.67% | 4.90% | 11.67% | +1,449 bps | |
| Loan Growth (YoY) | -1.26% | -2.43% | -3.88% | -6.27% | -7.70% | -644 bps | |
| Share Growth (YoY) | -3.09% | 1.44% | 1.06% | 3.22% | 11.87% | +1,496 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.58% | 2.88% | 1.86% | 1.39% | 1.02% | -156 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 | 18.17% | 17.92% | 18.65% | 18.17% | 17.91% | -26 bps | |
| Net Worth / Assets | 18.17% | 17.92% | 18.65% | 18.17% | 17.91% | -26 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 51.68% | 49.27% | 51.28% | 46.55% | 42.64% | -904 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |