New Brunswick, NJ · Charter 9237
NCUA · 3 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 | 0.97% | 1.03% | 1.20% | 1.24% | 1.21% | 1.29% | 1.37% | 1.54% | +30 bps | |
| Return on Equity | 9.89% | 10.21% | 11.49% | 11.31% | 10.83% | 11.08% | 11.81% | 12.17% | +85 bps | |
| Net Interest Margin | 2.94% | 3.05% | 3.45% | 3.56% | 3.53% | 3.66% | 3.87% | 4.17% | +61 bps | |
| Efficiency Ratio | 74.06% | 73.92% | 67.14% | 67.58% | 69.84% | 67.95% | 70.45% | 68.33% | +75 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.43% | -6.97% | -5.68% | -3.87% | -1.66% | -2.91% | 0.59% | -1.91% | +195 bps | |
| Loan Growth (YoY) | -6.80% | -9.21% | -7.38% | -6.05% | -8.20% | -8.29% | -7.55% | -9.61% | -356 bps | |
| Share Growth (YoY) | -10.85% | -8.07% | -7.31% | -4.88% | -4.99% | -4.65% | -1.72% | -3.88% | +100 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.32% | 0.37% | 0.18% | 0.18% | 0.24% | 0.27% | 0.15% | 0.39% | +21 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 | 9.76% | 10.06% | 10.40% | 10.98% | 11.14% | 11.65% | 11.64% | 12.64% | +166 bps | |
| Net Worth / Assets | 9.76% | 10.06% | 10.40% | 10.98% | 11.14% | 11.65% | 11.64% | 12.64% | +166 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 34.23% | 33.10% | 32.98% | 33.58% | 33.08% | 31.84% | 31.02% | 31.58% | -200 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |