PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

New Jersey Law and Public Safety

Trenton, NJ · Charter 66130

NCUA · 3 branches

Q2 2026

$63.9MAssets
$39.4MLoans
$51.2MShares
$12.6MNet Worth

Executive Summary

  • Earnings: ROA of 1.74%, down 12 bps year over year; NIM at 4.68%.
  • Asset quality: problem loans at 0.31% of loans (-31 bps YoY).
  • Capital: net worth / assets of 19.65%, up 129 bps from a year ago.
  • Funding: loans stand at 76.94% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.74%-12 bps YoY

Net Interest Margin (YTD, annualized)

4.68%+22 bps YoY

Efficiency Ratio (YTD, annualized)

61.16%-135 bps YoY

Net Worth / Assets

19.65%+129 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.06%1.29%1.70%1.86%1.96%1.35%1.52%1.74%-12 bps
Return on Equity10.89%7.04%9.42%10.16%10.36%7.31%7.93%8.85%-130 bps
Net Interest Margin4.63%3.87%4.43%4.46%4.58%3.91%4.64%4.68%+22 bps
Efficiency Ratio56.05%66.49%64.85%62.52%60.32%67.83%65.11%61.16%-135 bps
Growth
Asset Growth (YoY)4.41%9.04%11.22%11.23%7.45%6.96%1.51%0.22%-1,102 bps
Loan Growth (YoY)8.10%4.28%-1.23%-1.07%-3.23%-4.28%-1.63%-1.42%-35 bps
Share Growth (YoY)3.46%9.08%12.12%12.00%7.49%6.85%0.12%-1.28%-1,328 bps
Asset Quality
Delinquent Loans / Loans0.66%0.14%0.27%0.62%0.32%0.12%0.21%0.31%-31 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital18.93%18.30%18.08%18.36%18.93%18.46%19.14%19.65%+129 bps
Net Worth / Assets18.93%18.30%18.08%18.36%18.93%18.46%19.14%19.65%+129 bps
Liquidity & Funding
Loans / Shares86.48%84.66%77.80%77.05%77.85%75.85%76.44%76.94%-10 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps