Newark, NJ · Charter 66159
NCUA · 1 branch
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -6.02% | -5.48% | -0.67% | -0.82% | -2.09% | -1.65% | -4.45% | -4.77% | -395 bps | |
| Return on Equity | -18.18% | -16.56% | -2.08% | -2.57% | -6.62% | -5.05% | -13.80% | -14.38% | -1,181 bps | |
| Net Interest Margin | 4.03% | 4.11% | 4.02% | 3.98% | 4.11% | 4.29% | 3.73% | 3.97% | -1 bps | |
| Efficiency Ratio | 185.19% | 170.73% | 123.74% | 115.89% | 149.69% | 138.51% | 192.53% | 201% | +8,561 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.05% | -9.67% | -4.62% | -1.34% | -2.71% | -3.80% | -7.99% | -13.06% | -1,172 bps | |
| Loan Growth (YoY) | -7.02% | -7.69% | -0.79% | -5.60% | -8.99% | -6.59% | -10.69% | -8.37% | -278 bps | |
| Share Growth (YoY) | -12.02% | -7.74% | -2.66% | 0.65% | -0.80% | -3.10% | -8.02% | -14.02% | -1,466 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.33% | 0.67% | 0.47% | 0.48% | 0.46% | 1.93% | 1.03% | 1.69% | +121 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 | 9.90% | 10.41% | 9.80% | 11.41% | 11.00% | 11.61% | 13.68% | 14.11% | +270 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 33.12% | 33.08% | 32.04% | 31.91% | 31.62% | 32.74% | 32.21% | 33.16% | +125 bps | |
| Net Worth / Assets | 33.12% | 33.08% | 32.04% | 31.91% | 31.62% | 32.74% | 32.21% | 33.16% | +125 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 39.36% | 39.90% | 36.53% | 34.54% | 36.11% | 38.46% | 35.47% | 36.80% | +227 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |