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Lakehurst Naval

Joint Base MDL, NJ · Charter 7958

NCUA · 2 branches

Q2 2026

$37.9MAssets
$9.1MLoans
$33.0MShares
$4.8MNet 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 1.30%, up 64 bps year over year; NIM at 3.45%.
  • Asset quality: problem loans at 3.50% of loans (+58 bps YoY).
  • Capital: net worth / assets of 12.54%, up 87 bps from a year ago.
  • Funding: loans stand at 27.51% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.30%+64 bps YoY

Net Interest Margin (quarter, annualized)

3.45%+74 bps YoY

Efficiency Ratio (quarter, annualized)

60.54%-1,397 bps YoY

Net Worth / Assets

12.54%+87 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.65%0.95%0.29%4.20%1.30%+64 bps
Return on Equity5.59%8.14%2.58%33.62%10.34%+475 bps
Net Interest Margin2.71%2.92%2.78%3.48%3.45%+74 bps
Efficiency Ratio74.51%70.42%76.75%32.93%60.54%-1,397 bps
Growth
Asset Growth (YoY)7.35%7.16%6.83%-2.28%-3.14%-1,049 bps
Loan Growth (YoY)-4.43%0.59%2.09%-0.96%-4.30%+13 bps
Share Growth (YoY)7.82%7.28%6.84%-2.79%-4.45%-1,227 bps
Asset Quality
Delinquent Loans / Loans2.92%2.87%3.11%3.77%3.50%+58 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 Capital11.67%11.73%11.23%12.49%12.54%+87 bps
Net Worth / Assets11.67%11.73%11.23%12.49%12.54%+87 bps
Liquidity & Funding
Loans / Shares27.47%27.54%27.20%27.28%27.51%+4 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps