Edison, NJ · Charter 15095
NCUA · 2 branches
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
6
Asset Quality
76
Profitability
36
Liquidity
97
Efficiency
11
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.
Edison, NJ · Charter 15095
NCUA · 2 branches
Q4 2024
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 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.11% | -0.19% | -0.14% | -0.18% | 0.20% | +9 bps | |
| Return on Equity | 1.42% | -2.42% | -1.74% | -2.27% | 2.49% | +106 bps | |
| Net Interest Margin | 3.94% | 3.69% | 3.78% | 3.76% | 3.78% | -17 bps | |
| Efficiency Ratio | 96.43% | 102.62% | 101.41% | 102.79% | 96.01% | -42 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -7.30% | -8.08% | -8.31% | -6.32% | -4.78% | +252 bps | |
| Loan Growth (YoY) | -4.94% | -4.84% | -5.69% | -2.86% | -3.30% | +164 bps | |
| Share Growth (YoY) | -7.38% | -7.88% | -8.39% | -7.33% | -5.58% | +180 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.27% | 0.40% | 0.41% | 0.36% | 0.26% | -100 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 | 7.77% | 7.83% | 8.06% | 7.95% | 8.06% | +28 bps | |
| Net Worth / Assets | 7.77% | 7.83% | 8.06% | 7.95% | 8.06% | +28 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 69.89% | 68.49% | 70.56% | 72.52% | 71.58% | +169 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Edison, NJ · Charter 15095 · Peer group: credit unions under $1B in assets (n=1,721-1,724)
NCUA · 2 branches
Q4 2024
Return on Assets
0.20%
Rank 1,350 of 1,724
Net Interest Margin
3.78%
Rank 738 of 1,723
Efficiency Ratio
96.00%
Rank 1,538 of 1,721
Equity / Assets
8.06%
Rank 1,626 of 1,723
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.20% | 0.25% | 0.67% | 1.13% | Beats 22% | 1,350 / 1,724 | |
| Return on Equity | 2.48% | 1.95% | 5.34% | 8.54% | Beats 28% | 1,234 / 1,723 | |
| Net Interest Margin | 3.78% | 3.03% | 3.61% | 4.27% | Beats 57% | 738 / 1,723 | |
| Efficiency Ratio | 96.00% | 69.84% | 78.36% | 87.50% | Beats 11% | 1,538 / 1,721 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.26% | 0.28% | 0.70% | 1.38% | Beats 76% | 411 / 1,721 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 8.06% | 10.16% | 12.41% | 16.03% | Beats 6% | 1,627 / 1,724 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 8.06% | 10.15% | 12.41% | 16.03% | Beats 6% | 1,626 / 1,723 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 71.58% | 55.95% | 72.66% | 85.34% | 48th pctl | 890 / 1,722 | |
| Loans / Assets | 67.23% | 47.91% | 62.00% | 72.82% | 62nd pctl | 659 / 1,723 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||