Waldwick, NJ · Charter 9723
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.37% | 0.52% | 0.46% | 0.33% | 0.53% | 0.53% | 0.15% | 0.14% | -18 bps | |
| Return on Equity | 3.12% | 4.35% | 3.94% | 2.80% | 4.50% | 4.52% | 1.31% | 1.28% | -153 bps | |
| Net Interest Margin | 0.85% | 1.10% | 1.63% | 1.63% | 1.64% | 1.64% | 1.12% | 0.92% | -71 bps | |
| Efficiency Ratio | 46.83% | 43.15% | 37.98% | 36.73% | 35.95% | 36.12% | 59.23% | 65.38% | +2,865 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 77.20% | 82.64% | 9.57% | 9.04% | 7.76% | 6.58% | 6.69% | 7.63% | -141 bps | |
| Loan Growth (YoY) | 72.51% | 68.76% | -6.45% | -7.87% | -7.66% | -5.87% | -8.50% | -5.07% | +280 bps | |
| Share Growth (YoY) | 73.17% | 79.14% | 10.12% | 9.64% | 8.09% | 6.74% | 6.99% | 7.92% | -172 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.96% | 1.10% | 0.98% | 0.86% | 1.05% | 0.91% | 0.94% | 0.87% | +1 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 | 11.98% | 11.89% | 11.71% | 11.63% | 11.78% | 11.72% | 11.42% | 11.23% | -40 bps | |
| Net Worth / Assets | 11.98% | 11.89% | 11.71% | 11.63% | 11.78% | 11.72% | 11.42% | 11.23% | -40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 27.54% | 25.96% | 24.30% | 23.45% | 23.53% | 22.89% | 20.78% | 20.62% | -282 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |