Newark, NJ · Charter 8993
NCUA · 1 branch
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 | 0.23% | 0.36% | -0.22% | 0.43% | 0.51% | 0.78% | 1.22% | 1.32% | +89 bps | |
| Return on Equity | 1.28% | 1.90% | -1.13% | 2.22% | 2.57% | 3.78% | 5.83% | 6.53% | +431 bps | |
| Net Interest Margin | 1.99% | 2.09% | 2.29% | 2.42% | 2.44% | 2.60% | 2.97% | 2.94% | +52 bps | |
| Efficiency Ratio | 76.44% | 72.61% | 72.82% | 65.12% | 67.36% | 61.95% | 59.16% | 55.28% | -984 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.89% | -2.90% | -3.66% | -1.30% | -5.79% | -5.59% | -4.41% | 0.63% | +193 bps | |
| Loan Growth (YoY) | 24.89% | 21.31% | 14.33% | 5.82% | 0.24% | 6.75% | 8.27% | 6.13% | +31 bps | |
| Share Growth (YoY) | -3.42% | -4.04% | -4.83% | -2.24% | -8.06% | -7.83% | -6.94% | -1.46% | +78 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.68% | 2.79% | 1.06% | 1.35% | 1.35% | 0.97% | 0.99% | 1.39% | +4 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 | 18.26% | 18.68% | 18.96% | 19.25% | 19.96% | 20.56% | 20.86% | 20.21% | +96 bps | |
| Net Worth / Assets | 18.26% | 18.68% | 18.96% | 19.25% | 19.96% | 20.56% | 20.86% | 20.21% | +96 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 18.03% | 18.37% | 18.43% | 19.16% | 19.66% | 21.28% | 21.44% | 20.64% | +148 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |