Iselin, NJ · Charter 17865
NCUA · 1 branch
Q4 2024
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.35% | -1.21% | -2.27% | -4.55% | -4.09% | -274 bps | |
| Return on Equity | -12.13% | -12.79% | -25.44% | -69.35% | -60.62% | -4,849 bps | |
| Net Interest Margin | 3.65% | 2.65% | 3.04% | 2.96% | 2.94% | -71 bps | |
| Efficiency Ratio | 112.30% | 133.41% | 121.07% | 123.97% | 131.64% | +1,934 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -10.42% | 7.93% | 3.83% | 4.43% | 2.61% | +1,302 bps | |
| Loan Growth (YoY) | 8.30% | 2.13% | -5.97% | -15.47% | -19.22% | -2,752 bps | |
| Share Growth (YoY) | -6.12% | 14.36% | 4.16% | 5.34% | 4.62% | +1,074 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 7.51% | 8.28% | 6.68% | 3.43% | 9.72% | +222 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.66% | 3.05% | 2.77% | 2.84% | 2.94% | +28 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.13% | 9.48% | 8.93% | 6.56% | 6.75% | -438 bps | |
| Net Worth / Assets | 11.13% | 9.48% | 8.93% | 6.56% | 6.75% | -438 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 64.08% | 51.05% | 52.39% | 47.14% | 49.48% | -1,460 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |