Jersey City, NJ · Charter 6944
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 | 1.11% | 1.44% | 1.85% | 2.43% | 2.79% | 2.81% | 2.00% | 2.10% | -33 bps | |
| Return on Equity | 4.98% | 6.43% | 8.29% | 9.85% | 10.85% | 10.37% | 7.32% | 7.50% | -235 bps | |
| Net Interest Margin | 3.80% | 4.03% | 4.40% | 5.08% | 5.28% | 5.52% | 5.10% | 5.37% | +29 bps | |
| Efficiency Ratio | 67.60% | 63.15% | 62.27% | 55.87% | 50.53% | 52.43% | 56.79% | 57.21% | +134 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.71% | -3.82% | 0.54% | -3.17% | -3.07% | -8.24% | -9.04% | -2.78% | +39 bps | |
| Loan Growth (YoY) | -2.79% | -2.54% | -8.23% | -11.74% | -9.40% | -9.46% | -10.37% | -10.50% | +124 bps | |
| Share Growth (YoY) | -14.10% | -6.54% | -1.78% | -7.09% | -7.42% | -13.97% | -14.91% | -7.07% | +2 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.26% | 1.11% | 1.12% | 1.01% | 0.96% | 2.39% | 2.22% | 1.75% | +74 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 | 0.75% | 0.75% | 0.75% | 0.75% | 0.80% | 0.75% | 0.75% | 0.75% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 22.26% | 22.31% | 22.29% | 24.68% | 25.73% | 27.13% | 27.27% | 27.97% | +330 bps | |
| Net Worth / Assets | 22.26% | 22.31% | 22.29% | 24.68% | 25.73% | 27.13% | 27.27% | 27.97% | +330 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 33.72% | 33.73% | 29.82% | 32.33% | 33.00% | 35.50% | 31.41% | 31.13% | -119 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |