North Brunswick, NJ · Charter 18628
NCUA · 1 branch
Q3 2025
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.56% | -1.21% | -1.51% | -0.99% | -1.25% | -69 bps | |
| Return on Equity | -4.68% | -11.04% | -14.32% | -9.71% | -12.44% | -776 bps | |
| Net Interest Margin | 5.23% | 5.09% | 3.93% | 4.73% | 4.88% | -35 bps | |
| Efficiency Ratio | 103.62% | 99.49% | 133.70% | 118.83% | 122.93% | +1,931 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.07% | 2.91% | 3.57% | 2.84% | 1.55% | +561 bps | |
| Loan Growth (YoY) | 36.61% | 11.41% | 15.80% | 6.88% | 7.08% | -2,953 bps | |
| Share Growth (YoY) | -4.39% | 2.63% | 7.03% | 6.99% | 4.02% | +840 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.52% | 0.46% | 0.55% | 5.56% | 0.95% | -457 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | -0.02% | 0.81% | -0.71% | -0.57% | -0.43% | -42 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.99% | 10.99% | 10.56% | 10.24% | 10.07% | -192 bps | |
| Net Worth / Assets | 11.99% | 10.99% | 10.56% | 10.24% | 10.07% | -192 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 26.43% | 27.87% | 26.28% | 28.18% | 27.21% | +78 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |