M & C Menlo Park
Iselin, NJ · Charter 17865 · Peer group: credit unions under $1B in assets (n=1,721-1,724)
NCUA · 1 branch
Q4 2024
$1.2MAssets
$567KLoans
$1.1MShares
$82KNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 20% of credit unions under $1B in assets (rank 1385 of 1723).
- Widest gap: return on equity trails 100% of credit unions under $1B in assets (rank 1715 of 1723).
- Overall: at or above the peer median on 0 of 7 directional measures.
Return on Assets
-4.12%
Rank 1,711 of 1,724
Net Interest Margin
2.89%
Rank 1,385 of 1,723
Efficiency Ratio
134.21%
Rank 1,690 of 1,721
Equity / Assets
6.76%
Rank 1,702 of 1,723
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -4.12% | 0.25% | 0.67% | 1.13% | Beats 1% | 1,711 / 1,724 | |
| Return on Equity | -60.98% | 1.95% | 5.34% | 8.54% | Beats 0% | 1,715 / 1,723 | |
| Net Interest Margin | 2.89% | 3.03% | 3.61% | 4.27% | Beats 20% | 1,385 / 1,723 | |
| Efficiency Ratio | 134.21% | 69.84% | 78.36% | 87.50% | Beats 2% | 1,690 / 1,721 | |
| Asset Quality |
| Nonperforming Loans / Loans | 9.70% | 0.28% | 0.70% | 1.38% | Beats 1% | 1,704 / 1,721 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 6.75% | 10.16% | 12.41% | 16.03% | Beats 1% | 1,703 / 1,724 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 6.76% | 10.15% | 12.41% | 16.03% | Beats 1% | 1,702 / 1,723 | |
| Liquidity & Funding |
| Loans / Deposits | 49.48% | 55.95% | 72.66% | 85.34% | 18th pctl | 1,414 / 1,722 | |
| Loans / Assets | 46.74% | 47.91% | 62.00% | 72.82% | 24th pctl | 1,313 / 1,723 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |