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Bloomfield Fire and Police

Bloomfield, NJ · Charter 7069

NCUA · 2 branches

Q2 2026

$10.0MAssets
$6.1MLoans
$8.5MShares
$1.5MNet 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 1.01%, down 34 bps year over year; NIM at 3.92%.
  • Asset quality: problem loans at 2.50% of loans (+171 bps YoY).
  • Capital: net worth / assets of 14.93%, up 74 bps from a year ago.
  • Funding: loans stand at 72.13% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.01%-34 bps YoY

Net Interest Margin (YTD, annualized)

3.92%+8 bps YoY

Efficiency Ratio (YTD, annualized)

75.52%-355 bps YoY

Net Worth / Assets

14.93%+74 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.35%1.65%0.87%-2.06%1.01%-34 bps
Return on Equity9.54%11.11%5.98%-14.31%6.76%-278 bps
Net Interest Margin3.84%3.90%3.83%4.40%3.92%+8 bps
Efficiency Ratio79.07%75.48%81.32%72.04%75.52%-355 bps
Growth
Asset Growth (YoY)-5.09%-6.47%-5.26%-4.91%-1.24%+386 bps
Loan Growth (YoY)-9.61%-12.45%-13.37%-13.95%-14.73%-512 bps
Share Growth (YoY)-5.52%-7.71%-6.38%-5.76%-2.13%+339 bps
Asset Quality
Delinquent Loans / Loans0.79%1.37%1.04%3.62%2.50%+171 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 Capital14.19%14.84%14.53%14.38%14.93%+74 bps
Net Worth / Assets14.19%14.84%14.53%14.38%14.93%+74 bps
Liquidity & Funding
Loans / Shares82.78%81.26%79.27%74.89%72.13%-1,065 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps