Branchburg, NJ · Charter 6665
NCUA · 10 branches
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 | 0.51% | 0.41% | 0.25% | 0.63% | 0.60% | 0.35% | 0.13% | 0.28% | -35 bps | |
| Return on Equity | 5.74% | 4.56% | 2.74% | 6.78% | 6.29% | 3.75% | 1.41% | 3.14% | -364 bps | |
| Net Interest Margin | 3.31% | 3.39% | 3.28% | 3.27% | 3.37% | 3.35% | 3.20% | 3.20% | -8 bps | |
| Efficiency Ratio | 77.59% | 79.90% | 83.13% | 75.64% | 77.11% | 81.17% | 84.55% | 81.89% | +625 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.82% | -4.06% | -7.33% | 0.38% | -2.56% | 0.22% | 4.18% | 6.23% | +585 bps | |
| Loan Growth (YoY) | 1.96% | -1.80% | -1.27% | 3.64% | 3.22% | -3.30% | -0.70% | 3.74% | +10 bps | |
| Share Growth (YoY) | 7.62% | 7.63% | -0.87% | 1.38% | 2.95% | 4.90% | 4.27% | 9.68% | +831 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.46% | 1.65% | 1.61% | 2.21% | 2.75% | 2.81% | 2.78% | 3.35% | +114 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 | 8.83% | 8.98% | 9.15% | 9.23% | 9.54% | 9.31% | 9.09% | 8.86% | -37 bps | |
| Net Worth / Assets | 8.83% | 8.98% | 9.15% | 9.23% | 9.54% | 9.31% | 9.09% | 8.86% | -37 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 90.23% | 93.08% | 89.39% | 93.24% | 90.46% | 85.81% | 85.12% | 88.19% | -505 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |