PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

N.J.T. Employees

Waldwick, NJ · Charter 9723

NCUA · 1 branch

Q2 2026

$39.5MAssets
$7.1MLoans
$34.6MShares
$4.4MNet 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 0.14%, down 18 bps year over year; NIM at 0.92%.
  • Asset quality: problem loans at 0.87% of loans (+1 bps YoY).
  • Capital: net worth / assets of 11.23%, down 40 bps from a year ago.
  • Funding: loans stand at 20.62% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.14%-18 bps YoY

Net Interest Margin (quarter, annualized)

0.92%-71 bps YoY

Efficiency Ratio (quarter, annualized)

65.38%+2,865 bps YoY

Net Worth / Assets

11.23%-40 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.33%0.53%0.53%0.15%0.14%-18 bps
Return on Equity2.80%4.50%4.52%1.31%1.28%-153 bps
Net Interest Margin1.63%1.64%1.64%1.12%0.92%-71 bps
Efficiency Ratio36.73%35.95%36.12%59.23%65.38%+2,865 bps
Growth
Asset Growth (YoY)9.04%7.76%6.58%6.69%7.63%-141 bps
Loan Growth (YoY)-7.87%-7.66%-5.87%-8.50%-5.07%+280 bps
Share Growth (YoY)9.64%8.09%6.74%6.99%7.92%-172 bps
Asset Quality
Delinquent Loans / Loans0.86%1.05%0.91%0.94%0.87%+1 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 Capital11.63%11.78%11.72%11.42%11.23%-40 bps
Net Worth / Assets11.63%11.78%11.72%11.42%11.23%-40 bps
Liquidity & Funding
Loans / Shares23.45%23.53%22.89%20.78%20.62%-282 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps