PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Liberty Savings

Jersey City, NJ · Charter 7184

NCUA · 3 branches

Q2 2026

$135.1MAssets
$67.0MLoans
$116.8MShares
$15.8MNet 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 -0.12%, down 77 bps year over year; NIM at 5.14%.
  • Asset quality: problem loans at 2.09% of loans (-9 bps YoY).
  • Capital: net worth / assets of 11.68%, down 106 bps from a year ago.
  • Funding: loans stand at 57.37% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.12%-77 bps YoY

Net Interest Margin (YTD, annualized)

5.14%-24 bps YoY

Efficiency Ratio (YTD, annualized)

95.84%+2,450 bps YoY

Net Worth / Assets

11.68%-106 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.65%0.42%0.34%-0.20%-0.12%-77 bps
Return on Equity5.08%3.41%2.85%-1.74%-1.02%-610 bps
Net Interest Margin5.38%5.27%5.13%4.88%5.14%-24 bps
Efficiency Ratio71.34%78.01%81.51%101.26%95.84%+2,450 bps
Growth
Asset Growth (YoY)-2.30%8.88%9.93%10.30%9.57%+1,188 bps
Loan Growth (YoY)-3.58%1.97%1.69%0.01%3.02%+660 bps
Share Growth (YoY)-1.81%9.51%10.47%11.37%9.27%+1,108 bps
Asset Quality
Delinquent Loans / Loans2.18%2.10%2.44%2.02%2.09%-9 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 Capital12.74%12.21%12.09%11.65%11.68%-106 bps
Net Worth / Assets12.74%12.21%12.09%11.65%11.68%-106 bps
Liquidity & Funding
Loans / Shares60.85%59.05%59.08%55.65%57.37%-348 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps