Bloomfield, NJ · Charter 7069
NCUA · 2 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 | -0.26% | -0.56% | 1.81% | 1.35% | 1.65% | 0.87% | -2.06% | 1.01% | -34 bps | |
| Return on Equity | -2.04% | -4.46% | 13.70% | 9.54% | 11.11% | 5.98% | -14.31% | 6.76% | -278 bps | |
| Net Interest Margin | 2.85% | 2.50% | 3.70% | 3.84% | 3.90% | 3.83% | 4.40% | 3.92% | +8 bps | |
| Efficiency Ratio | 88.31% | 107.37% | 91.60% | 79.07% | 75.48% | 81.32% | 72.04% | 75.52% | -355 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 19.54% | 9.18% | 8.08% | -5.09% | -6.47% | -5.26% | -4.91% | -1.24% | +386 bps | |
| Loan Growth (YoY) | 12.19% | 3.69% | -2.74% | -9.61% | -12.45% | -13.37% | -13.95% | -14.73% | -512 bps | |
| Share Growth (YoY) | 22.90% | 10.78% | 8.60% | -5.52% | -7.71% | -6.38% | -5.76% | -2.13% | +339 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.93% | 1.35% | 2.78% | 0.79% | 1.37% | 1.04% | 3.62% | 2.50% | +171 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 | 1.87% | 1.58% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.83% | 12.66% | 13.25% | 14.19% | 14.84% | 14.53% | 14.38% | 14.93% | +74 bps | |
| Net Worth / Assets | 12.83% | 12.66% | 13.25% | 14.19% | 14.84% | 14.53% | 14.38% | 14.93% | +74 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.66% | 85.67% | 82.02% | 82.78% | 81.26% | 79.27% | 74.89% | 72.13% | -1,065 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |