Brick, NJ · Charter 9082
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.99% | 1.96% | 1.65% | 0.86% | 0.68% | -131 bps | |
| Return on Equity | 5.37% | 5.13% | 4.34% | 2.20% | 1.71% | -366 bps | |
| Net Interest Margin | 4.42% | 4.58% | 4.40% | 4.17% | 4.27% | -15 bps | |
| Efficiency Ratio | 55.59% | 57.75% | 60.62% | 79.54% | 78.83% | +2,324 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.77% | -6.40% | -5.50% | -4.40% | -3.80% | +197 bps | |
| Loan Growth (YoY) | 6.74% | 1.70% | -0.52% | -8.67% | -13.90% | -2,065 bps | |
| Share Growth (YoY) | -11.61% | -11.83% | -10.77% | -10.01% | -7.46% | +415 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.56% | 0.56% | 0.00% | 0.00% | 1.89% | +133 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 37.00% | 38.14% | 38.06% | 39.23% | 39.47% | +247 bps | |
| Net Worth / Assets | 37.00% | 38.14% | 38.06% | 39.23% | 39.47% | +247 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 17.82% | 17.71% | 17.82% | 17.09% | 16.58% | -124 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |