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 | |