North Brunswick, NJ · Charter 18628
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 | 0.12% | -0.26% | -0.11% | -0.56% | -1.21% | -1.51% | -0.99% | -1.25% | -69 bps | |
| Return on Equity | 0.93% | -2.05% | -0.91% | -4.68% | -11.04% | -14.32% | -9.71% | -12.44% | -776 bps | |
| Net Interest Margin | 4.78% | 5.12% | 5.13% | 5.23% | 5.09% | 3.93% | 4.73% | 4.88% | -35 bps | |
| Efficiency Ratio | 97.85% | 104.91% | 102.03% | 103.62% | 99.49% | 133.70% | 118.83% | 122.93% | +1,931 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -15.15% | -14.80% | -10.69% | -4.07% | 2.91% | 3.57% | 2.84% | 1.55% | +561 bps | |
| Loan Growth (YoY) | 56.27% | 47.44% | 53.23% | 36.61% | 11.41% | 15.80% | 6.88% | 7.08% | -2,953 bps | |
| Share Growth (YoY) | -17.31% | -17.32% | -13.37% | -4.39% | 2.63% | 7.03% | 6.99% | 4.02% | +840 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.41% | 5.72% | 4.91% | 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 | n/a | n/a | n/a |
| Allowance / Loans | -0.44% | -0.18% | -1.12% | -0.02% | 0.81% | -0.71% | -0.57% | -0.43% | -42 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.42% | 12.52% | 12.20% | 11.99% | 10.99% | 10.56% | 10.24% | 10.07% | -192 bps | |
| Net Worth / Assets | 13.42% | 12.52% | 12.20% | 11.99% | 10.99% | 10.56% | 10.24% | 10.07% | -192 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 25.68% | 24.29% | 28.21% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |