Oradell, NJ · Charter 15139
NCUA · 2 branches
Q4 2023
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 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.32% | 0.06% | 0.13% | 0.17% | 0.14% | -18 bps | |
| Return on Equity | 2.30% | 0.42% | 0.92% | 1.17% | 0.94% | -136 bps | |
| Net Interest Margin | 2.58% | 4.66% | 3.73% | 3.10% | 3.23% | +65 bps | |
| Efficiency Ratio | 67.24% | 43.74% | 53.90% | 63.15% | 62.40% | -484 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.14% | 0.28% | -2.70% | -1.62% | -3.52% | -466 bps | |
| Loan Growth (YoY) | 4.74% | 3.79% | -2.24% | -7.46% | -9.96% | -1,470 bps | |
| Share Growth (YoY) | 1.72% | -0.30% | -3.73% | -2.38% | -3.34% | -506 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.49% | 1.34% | 1.11% | 1.03% | 1.20% | -29 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.84% | 0.00% | 4.97% | 4.52% | 5.44% | +260 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.93% | 14.88% | 14.59% | 14.43% | 14.57% | +65 bps | |
| Net Worth / Assets | 13.93% | 14.88% | 14.59% | 14.43% | 14.57% | +65 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 30.57% | 30.74% | 31.06% | 29.44% | 28.48% | -209 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |