Iselin, NJ · Charter 17865
NCUA · 1 branch
Q4 2024
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 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.69% | -0.74% | -1.32% | -1.35% | -1.21% | -2.27% | -4.55% | -4.09% | -274 bps | |
| Return on Equity | -5.91% | -6.52% | -12.39% | -12.13% | -12.79% | -25.44% | -69.35% | -60.62% | -4,849 bps | |
| Net Interest Margin | 3.32% | 3.36% | 3.50% | 3.65% | 2.65% | 3.04% | 2.96% | 2.94% | -71 bps | |
| Efficiency Ratio | 111.28% | 112.84% | 108.82% | 112.30% | 133.41% | 121.07% | 123.97% | 131.64% | +1,934 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -14.92% | -14.22% | -12.94% | -10.42% | 7.93% | 3.83% | 4.43% | 2.61% | +1,302 bps | |
| Loan Growth (YoY) | 0.09% | 7.08% | 7.18% | 8.30% | 2.13% | -5.97% | -15.47% | -19.22% | -2,752 bps | |
| Share Growth (YoY) | -15.85% | -10.29% | -8.26% | -6.12% | 14.36% | 4.16% | 5.34% | 4.62% | +1,074 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 9.12% | 8.03% | 8.07% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 2.45% | 2.32% | 2.58% | 2.66% | 3.05% | 2.77% | 2.84% | 2.94% | +28 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.67% | 11.35% | 10.68% | 11.13% | 9.48% | 8.93% | 6.56% | 6.75% | -438 bps | |
| Net Worth / Assets | 11.67% | 11.35% | 10.68% | 11.13% | 9.48% | 8.93% | 6.56% | 6.75% | -438 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 57.16% | 58.03% | 58.75% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |