New Brunswick, NJ · Charter 9146
NCUA · 4 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 | -0.40% | -0.44% | -0.22% | 0.05% | 0.25% | -0.29% | -0.23% | 0.13% | +9 bps | |
| Return on Equity | -1.91% | -2.05% | -1.13% | 0.23% | 1.14% | -1.33% | -1.16% | 0.64% | +41 bps | |
| Net Interest Margin | 1.43% | 1.48% | 1.68% | 1.70% | 1.77% | 1.78% | 1.76% | 2.09% | +39 bps | |
| Efficiency Ratio | 124.92% | 125.94% | 111.96% | 96.50% | 86.77% | 111.19% | 94.78% | 86.18% | -1,032 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.46% | -12.15% | -4.04% | -3.78% | -3.89% | -4.83% | -4.84% | -2.43% | +134 bps | |
| Loan Growth (YoY) | -4.45% | -10.65% | -16.11% | -14.73% | -3.82% | 7.71% | 19.69% | 42.91% | +5,764 bps | |
| Share Growth (YoY) | -14.49% | -11.64% | -7.01% | -5.54% | -6.40% | -7.27% | -6.48% | -3.00% | +254 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.20% | 0.45% | 0.07% | 0.07% | 0.11% | 0.45% | 0.50% | 0.54% | +46 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 | 20.93% | 21.18% | 19.22% | 20.83% | 21.82% | 21.95% | 19.91% | 21.09% | +27 bps | |
| Net Worth / Assets | 20.93% | 21.18% | 19.22% | 20.83% | 21.82% | 21.95% | 19.91% | 21.09% | +27 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 28.02% | 27.28% | 22.58% | 25.56% | 28.79% | 31.69% | 28.90% | 37.66% | +1,210 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |