Hamilton, NJ · Charter 9411
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 | 0.02% | 0.20% | 0.40% | 0.28% | 0.36% | +34 bps | |
| Return on Equity | 0.39% | 3.00% | 5.73% | 4.08% | 5.27% | +488 bps | |
| Net Interest Margin | 4.99% | 5.26% | 5.35% | 5.11% | 5.22% | +23 bps | |
| Efficiency Ratio | 98.99% | 95.52% | 93.56% | 92.17% | 92.40% | -658 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.56% | -0.80% | -3.72% | -1.84% | -0.72% | -128 bps | |
| Loan Growth (YoY) | -6.43% | -4.76% | -4.98% | -7.70% | -8.23% | -180 bps | |
| Share Growth (YoY) | 1.31% | 0.11% | -2.04% | -1.38% | -0.16% | -147 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.86% | 0.70% | 5.51% | 5.49% | 4.44% | +158 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 | 6.32% | 6.68% | 6.99% | 6.84% | 6.82% | +51 bps | |
| Net Worth / Assets | 6.32% | 6.68% | 6.99% | 6.84% | 6.82% | +51 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 73.86% | 75.37% | 72.85% | 69.17% | 67.90% | -597 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 98.76% | 99.03% | 98.04% | +9,804 bps | |