Yardville, NJ · Charter 64882
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.20% | -2.90% | 0.15% | 0.38% | 0.73% | 0.29% | -1.76% | -3.05% | -343 bps | |
| Return on Equity | -1.27% | -18.06% | 0.91% | 2.28% | 4.03% | 2.16% | -11.06% | -19.92% | -2,220 bps | |
| Net Interest Margin | 2.45% | 2.34% | 1.80% | 2.51% | 2.92% | 2.09% | 2.88% | 3.05% | +54 bps | |
| Efficiency Ratio | 77.26% | 180.90% | 93.14% | 81.86% | 74.22% | 85.26% | 155.58% | 136.36% | +5,451 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.99% | -1.06% | -3.02% | -3.02% | -12.01% | 22.14% | 0.44% | -1.39% | +163 bps | |
| Loan Growth (YoY) | -8.12% | -7.94% | -5.72% | -8.34% | -4.44% | -3.92% | 3.43% | 1.51% | +985 bps | |
| Share Growth (YoY) | 2.09% | 5.16% | 3.08% | -0.51% | -4.19% | -10.81% | -10.28% | -5.10% | -458 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.27% | 2.65% | 2.77% | 1.23% | 2.07% | 3.23% | 0.74% | 0.87% | -37 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 | 15.85% | 16.04% | 16.22% | 16.52% | 18.12% | 13.36% | 15.91% | 15.32% | -119 bps | |
| Net Worth / Assets | 15.85% | 16.04% | 16.22% | 16.52% | 18.12% | 13.36% | 15.91% | 15.32% | -119 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 36.30% | 34.32% | 33.84% | 34.60% | 36.20% | 36.97% | 39.01% | 37.01% | +241 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |