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Edison, NJ · Charter 15095 · Peer group: credit unions under $1B in assets (n=1,721-1,724)
NCUA · 2 branches
Q4 2024
$94.6MAssets
$63.6MLoans
$88.8MShares
$7.6MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 76% of credit unions under $1B in assets (rank 411 of 1721).
- Widest gap: equity / assets trails 94% of credit unions under $1B in assets (rank 1626 of 1723).
- Overall: at or above the peer median on 2 of 7 directional measures.
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 |