PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Entertainment Industries

New York, NY · Charter 22032

NCUA · 2 branches

Q3 2025

$14.4MAssets
$8.4MLoans
$11.7MShares
$2.3MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 3.97%, up 376 bps year over year; NIM at 4.49%.
  • Asset quality: problem loans at 3.29% of loans (+37 bps YoY).
  • Capital: net worth / assets of 16.00%, up 450 bps from a year ago.
  • Funding: loans stand at 72.12% of shares as of Q3 2025.

Financial Results

Return on Assets (YTD, annualized)

3.97%+376 bps YoY

Net Interest Margin (YTD, annualized)

4.49%-92 bps YoY

Efficiency Ratio (YTD, annualized)

64.68%-3,195 bps YoY

Net Worth / Assets

16.00%+450 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025YoY ΔTrend
Earnings
Return on Assets0.21%1.57%3.51%1.56%3.97%+376 bps
Return on Equity1.86%12.19%26.45%11.98%24.84%+2,298 bps
Net Interest Margin5.41%5.30%4.72%4.55%4.49%-92 bps
Efficiency Ratio96.63%78.27%67.25%81.54%64.68%-3,195 bps
Growth
Asset Growth (YoY)-12.43%-7.63%-5.10%-3.47%-0.79%+1,165 bps
Loan Growth (YoY)4.98%-0.23%-6.61%-8.15%-11.12%-1,610 bps
Share Growth (YoY)-13.38%-7.54%-3.87%-1.54%-0.38%+1,299 bps
Asset Quality
Delinquent Loans / Loans2.93%2.57%0.83%2.99%3.29%+37 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.50%12.87%13.29%13.01%16.00%+450 bps
Net Worth / Assets11.50%12.87%13.29%13.01%16.00%+450 bps
Liquidity & Funding
Loans / Shares80.83%81.29%74.14%70.35%72.12%-871 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps