PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Public Service Plaza

Newark, NJ · Charter 8993

NCUA · 1 branch

Q2 2026

$13.1MAssets
$2.1MLoans
$10.3MShares
$2.6MNet 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 1.32%, up 89 bps year over year; NIM at 2.94%.
  • Asset quality: problem loans at 1.39% of loans (+4 bps YoY).
  • Capital: net worth / assets of 20.21%, up 96 bps from a year ago.
  • Funding: loans stand at 20.64% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.32%+89 bps YoY

Net Interest Margin (YTD, annualized)

2.94%+52 bps YoY

Efficiency Ratio (YTD, annualized)

55.28%-984 bps YoY

Net Worth / Assets

20.21%+96 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.43%0.51%0.78%1.22%1.32%+89 bps
Return on Equity2.22%2.57%3.78%5.83%6.53%+431 bps
Net Interest Margin2.42%2.44%2.60%2.97%2.94%+52 bps
Efficiency Ratio65.12%67.36%61.95%59.16%55.28%-984 bps
Growth
Asset Growth (YoY)-1.30%-5.79%-5.59%-4.41%0.63%+193 bps
Loan Growth (YoY)5.82%0.24%6.75%8.27%6.13%+31 bps
Share Growth (YoY)-2.24%-8.06%-7.83%-6.94%-1.46%+78 bps
Asset Quality
Delinquent Loans / Loans1.35%1.35%0.97%0.99%1.39%+4 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 Capital19.25%19.96%20.56%20.86%20.21%+96 bps
Net Worth / Assets19.25%19.96%20.56%20.86%20.21%+96 bps
Liquidity & Funding
Loans / Shares19.16%19.66%21.28%21.44%20.64%+148 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps