Joint Base MDL, NJ · Charter 7958
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 | 1.43% | 0.79% | 0.20% | 0.65% | 0.95% | 0.29% | 4.20% | 1.30% | +64 bps | |
| Return on Equity | 11.71% | 6.70% | 1.85% | 5.59% | 8.14% | 2.58% | 33.62% | 10.34% | +475 bps | |
| Net Interest Margin | 2.63% | 2.63% | 2.58% | 2.71% | 2.92% | 2.78% | 3.48% | 3.45% | +74 bps | |
| Efficiency Ratio | 75.19% | 77.98% | 70.79% | 74.51% | 70.42% | 76.75% | 32.93% | 60.54% | -1,397 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.84% | 5.81% | 10.85% | 7.35% | 7.16% | 6.83% | -2.28% | -3.14% | -1,049 bps | |
| Loan Growth (YoY) | -6.72% | -8.97% | -6.87% | -4.43% | 0.59% | 2.09% | -0.96% | -4.30% | +13 bps | |
| Share Growth (YoY) | -2.94% | 5.58% | 9.70% | 7.82% | 7.28% | 6.84% | -2.79% | -4.45% | -1,227 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.38% | 3.30% | 2.02% | 2.92% | 2.87% | 3.11% | 3.77% | 3.50% | +58 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.17% | 11.78% | 11.01% | 11.67% | 11.73% | 11.23% | 12.49% | 12.54% | +87 bps | |
| Net Worth / Assets | 12.17% | 11.78% | 11.01% | 11.67% | 11.73% | 11.23% | 12.49% | 12.54% | +87 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 29.37% | 28.46% | 26.77% | 27.47% | 27.54% | 27.20% | 27.28% | 27.51% | +4 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |