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Letter portraitLegal landscapeQuarterYTD

Hoboken N J Police

Hoboken, NJ · Charter 9075

NCUA · 2 branches

Q2 2026

$10.3MAssets
$6.7MLoans
$7.8MShares
$2.4MNet 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 -1.20%, down 160 bps year over year; NIM at 3.81%.
  • Asset quality: problem loans at 3.84% of loans (+24 bps YoY).
  • Capital: net worth / assets of 22.82%, down 51 bps from a year ago.
  • Funding: loans stand at 86.00% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-1.20%-160 bps YoY

Net Interest Margin (YTD, annualized)

3.81%-6 bps YoY

Efficiency Ratio (YTD, annualized)

96.77%+912 bps YoY

Net Worth / Assets

22.82%-51 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.41%-0.20%-0.27%0.01%-1.20%-160 bps
Return on Equity1.75%-0.84%-1.20%0.04%-5.24%-699 bps
Net Interest Margin3.87%3.92%3.84%4.02%3.81%-6 bps
Efficiency Ratio87.64%88.03%90.56%98.41%96.77%+912 bps
Growth
Asset Growth (YoY)2.46%-3.32%0.37%1.21%-1.68%-414 bps
Loan Growth (YoY)3.97%-7.29%-11.12%-10.09%-6.39%-1,036 bps
Share Growth (YoY)3.12%-4.48%0.75%1.91%-1.45%-457 bps
Asset Quality
Delinquent Loans / Loans3.61%4.54%3.59%3.15%3.84%+24 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 Capital23.33%23.84%22.56%22.45%22.82%-51 bps
Net Worth / Assets23.33%23.84%22.56%22.45%22.82%-51 bps
Liquidity & Funding
Loans / Shares90.54%89.64%86.66%84.82%86.00%-454 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps