Linden, NJ · Charter 13519
NCUA · 1 branch
Q4 2024
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2024, the quarter ended December 31, 2024, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,721 to 1,724). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
56
Asset Quality
39
Profitability
75
Liquidity
0
Efficiency
33
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Linden, NJ · Charter 13519
NCUA · 1 branch
Q4 2024
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 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.85% | 1.08% | 0.93% | 0.78% | 0.83% | 0.98% | 1.11% | 0.93% | +15 bps | |
| Return on Equity | 22.24% | 11.44% | 9.29% | 7.33% | 7.60% | 8.52% | 8.96% | 7.13% | -20 bps | |
| Net Interest Margin | 4.18% | 6.51% | 4.82% | 5.20% | 5.28% | 5.37% | 5.53% | 5.61% | +40 bps | |
| Efficiency Ratio | 68.35% | 85.43% | 83.32% | 86.36% | 84.63% | 82.57% | 80.69% | 84.03% | -233 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.73% | -10.45% | -13.02% | -23.50% | -19.64% | -12.85% | -13.45% | -11.76% | +1,174 bps | |
| Loan Growth (YoY) | 3.63% | -6.69% | -6.49% | -8.75% | -8.99% | -19.00% | -14.31% | -12.71% | -396 bps | |
| Share Growth (YoY) | -3.18% | -11.94% | -15.03% | -26.06% | -21.96% | -14.93% | -15.93% | -13.90% | +1,215 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.69% | 0.82% | 0.85% | 0.59% | 0.25% | 0.26% | 0.25% | 0.96% | +37 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 | 1.06% | 1.03% | 1.08% | 1.18% | 0.59% | 0.65% | 0.68% | 0.74% | -44 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.31% | 9.41% | 9.99% | 10.68% | 10.98% | 11.53% | 12.42% | 13.03% | +235 bps | |
| Net Worth / Assets | 8.31% | 9.41% | 9.99% | 10.68% | 10.98% | 11.53% | 12.42% | 13.03% | +235 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 31.04% | 35.99% | 35.96% | 36.67% | 36.20% | 34.27% | 36.65% | 37.17% | +51 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Linden, NJ · Charter 13519 · Peer group: credit unions under $1B in assets (n=1,721-1,724)
NCUA · 1 branch
Q4 2024
Return on Assets
0.93%
Rank 598 of 1,724
Net Interest Margin
5.61%
Rank 90 of 1,723
Efficiency Ratio
84.08%
Rank 1,157 of 1,721
Equity / Assets
13.03%
Rank 762 of 1,723
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.93% | 0.25% | 0.67% | 1.13% | Beats 65% | 598 / 1,724 | ||
| Return on Equity | 7.12% | 1.95% | 5.34% | 8.54% | Beats 65% | 606 / 1,723 | ||
| Net Interest Margin | 5.61% | 3.03% | 3.61% | 4.27% | Beats 95% | 90 / 1,723 | ||
| Efficiency Ratio | 84.08% | 69.84% | 78.36% | 87.50% | Beats 33% | 1,157 / 1,721 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.92% | 0.28% | 0.70% | 1.38% | Beats 39% | 1,047 / 1,721 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.03% | 10.16% | 12.41% | 16.03% | Beats 56% | 763 / 1,724 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.03% | 10.15% | 12.41% | 16.03% | Beats 56% | 762 / 1,723 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 37.17% | 55.95% | 72.66% | 85.34% | 7th pctl | 1,596 / 1,722 | ||
| Loans / Assets | 32.41% | 47.91% | 62.00% | 72.82% | 8th pctl | 1,582 / 1,723 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||