PackageTrendsPeer
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Financial Resources

Branchburg, NJ · Charter 6665

NCUA · 10 branches

Q2 2026

$659.0MAssets
$519.9MLoans
$589.6MShares
$58.4MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.28%, down 35 bps year over year; NIM at 3.20%.
  • Asset quality: problem loans at 3.35% of loans (+114 bps YoY).
  • Capital: net worth / assets of 8.86%, down 37 bps from a year ago.
  • Funding: loans stand at 88.19% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.28%-35 bps YoY

Net Interest Margin (YTD, annualized)

3.20%-8 bps YoY

Efficiency Ratio (YTD, annualized)

81.89%+625 bps YoY

Net Worth / Assets

8.86%-37 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.63%0.60%0.35%0.13%0.28%-35 bps
Return on Equity6.78%6.29%3.75%1.41%3.14%-364 bps
Net Interest Margin3.27%3.37%3.35%3.20%3.20%-8 bps
Efficiency Ratio75.64%77.11%81.17%84.55%81.89%+625 bps
Growth
Asset Growth (YoY)0.38%-2.56%0.22%4.18%6.23%+585 bps
Loan Growth (YoY)3.64%3.22%-3.30%-0.70%3.74%+10 bps
Share Growth (YoY)1.38%2.95%4.90%4.27%9.68%+831 bps
Asset Quality
Delinquent Loans / Loans2.21%2.75%2.81%2.78%3.35%+114 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.23%9.54%9.31%9.09%8.86%-37 bps
Net Worth / Assets9.23%9.54%9.31%9.09%8.86%-37 bps
Liquidity & Funding
Loans / Shares93.24%90.46%85.81%85.12%88.19%-505 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps