Trenton, NJ · Charter 1546
NCUA · 1 branch
Q3 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2025, the quarter ended September 30, 2025, 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=1,637 to 1,639). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
2
Asset Quality
3
Profitability
34
Liquidity
62
Efficiency
2
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.
Trenton, NJ · Charter 1546
NCUA · 1 branch
Q3 2025
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 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.91% | -3.64% | -4.17% | -3.63% | -3.45% | -2.94% | -1.33% | -2.00% | +162 bps | |
| Return on Equity | -30.98% | -32.81% | -43.30% | -40.50% | -39.68% | -36.75% | -17.76% | -26.69% | +1,381 bps | |
| Net Interest Margin | 8.28% | 7.20% | 7.13% | 7.45% | 7.97% | 8.05% | 7.50% | 8.26% | +81 bps | |
| Efficiency Ratio | 126.46% | 134.42% | 133.64% | 126.14% | 125.94% | 133.46% | 116.05% | 121.86% | -429 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -19.04% | -1.34% | 1.75% | -3.62% | 4.17% | -1.63% | 2.54% | -7.19% | -357 bps | |
| Loan Growth (YoY) | -8.67% | -8.47% | 4.98% | 16.97% | 8.19% | 4.10% | -9.48% | -8.26% | -2,523 bps | |
| Share Growth (YoY) | -18.60% | 2.77% | 6.70% | 1.58% | 9.10% | 1.70% | 4.84% | -6.02% | -760 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.34% | 3.19% | 1.22% | 1.54% | 0.00% | 0.81% | 1.71% | 4.86% | +332 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 | 4.76% | 5.21% | 3.88% | 3.79% | 3.34% | 3.79% | 3.86% | 3.47% | -32 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.62% | 11.09% | 9.62% | 8.95% | 8.68% | 8.01% | 7.48% | 7.51% | -144 bps | |
| Net Worth / Assets | 12.62% | 11.09% | 9.62% | 8.95% | 8.68% | 8.01% | 7.48% | 7.51% | -144 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 65.39% | 55.87% | 60.41% | 61.75% | 64.85% | 57.18% | 52.16% | 60.28% | -147 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Trenton, NJ · Charter 1546 · Peer group: credit unions under $1B in assets (n=1,637-1,639)
NCUA · 1 branch
Q3 2025
Return on Assets
-2.08%
Rank 1,614 of 1,639
Net Interest Margin
8.33%
Rank 4 of 1,638
Efficiency Ratio
118.52%
Rank 1,606 of 1,637
Equity / Assets
7.55%
Rank 1,602 of 1,638
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -2.08% | 0.40% | 0.81% | 1.29% | Beats 2% | 1,614 / 1,639 | ||
| Return on Equity | -27.59% | 3.02% | 6.34% | 9.49% | Beats 1% | 1,621 / 1,638 | ||
| Net Interest Margin | 8.33% | 3.27% | 3.83% | 4.38% | Beats 100% | 4 / 1,638 | ||
| Efficiency Ratio | 118.52% | 67.38% | 76.32% | 84.73% | Beats 2% | 1,606 / 1,637 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 4.69% | 0.27% | 0.68% | 1.33% | Beats 3% | 1,587 / 1,637 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 7.51% | 10.38% | 12.80% | 16.53% | Beats 2% | 1,603 / 1,639 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 7.55% | 10.39% | 12.80% | 16.53% | Beats 2% | 1,602 / 1,638 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 60.28% | 55.01% | 72.16% | 85.44% | 32nd pctl | 1,119 / 1,638 | ||
| Loans / Assets | 55.47% | 46.69% | 60.81% | 72.42% | 39th pctl | 1,000 / 1,638 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||