Freehold, NJ · Charter 22449
NCUA · 1 branch
Q4 2024
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2024, the quarter ended December 31, 2024, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,721 to 1,724). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
100
Asset Quality
21
Profitability
48
Liquidity
0
Efficiency
17
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Freehold, NJ · Charter 22449
NCUA · 1 branch
Q4 2024
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.10% | 0.83% | 0.63% | 0.44% | 0.43% | -67 bps | |
| Return on Equity | 2.71% | 1.84% | 1.32% | 0.91% | 0.84% | -187 bps | |
| Net Interest Margin | 5.84% | 5.21% | 5.40% | 5.41% | 5.57% | -28 bps | |
| Efficiency Ratio | 74.54% | 81.39% | 86.53% | 90.35% | 91.07% | +1,653 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -35.42% | -37.45% | -33.41% | -26.71% | -20.41% | +1,502 bps | |
| Loan Growth (YoY) | -19.98% | -24.65% | -32.68% | -40.62% | -39.38% | -1,940 bps | |
| Share Growth (YoY) | -48.91% | -52.87% | -49.34% | -41.36% | -33.94% | +1,497 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.12% | 2.81% | 2.46% | 1.44% | 1.59% | +147 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.85% | 5.47% | 6.32% | 5.94% | 6.61% | +176 bps | |
| Capital | |||||||
| Risk-Based Capital | 40.46% | 45.15% | 47.48% | 48.35% | 51.19% | +1,072 bps | |
| Net Worth / Assets | 40.46% | 45.15% | 47.48% | 48.35% | 51.19% | +1,072 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 148.15% | 160.33% | 151.64% | 135.22% | 135.94% | -1,220 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Freehold, NJ · Charter 22449 · Peer group: credit unions under $1B in assets (n=1,721-1,724)
NCUA · 1 branch
Q4 2024
Return on Assets
0.39%
Rank 1,161 of 1,724
Net Interest Margin
5.52%
Rank 96 of 1,723
Efficiency Ratio
91.67%
Rank 1,438 of 1,721
Equity / Assets
51.22%
Rank 7 of 1,723
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.39% | 0.25% | 0.67% | 1.13% | Beats 33% | 1,161 / 1,724 | |
| Return on Equity | 0.77% | 1.95% | 5.34% | 8.54% | Beats 17% | 1,430 / 1,723 | |
| Net Interest Margin | 5.52% | 3.03% | 3.61% | 4.27% | Beats 94% | 96 / 1,723 | |
| Efficiency Ratio | 91.67% | 69.84% | 78.36% | 87.50% | Beats 17% | 1,438 / 1,721 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.55% | 0.28% | 0.70% | 1.38% | Beats 21% | 1,354 / 1,721 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 51.19% | 10.16% | 12.41% | 16.03% | Beats 100% | 8 / 1,724 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 51.22% | 10.15% | 12.41% | 16.03% | Beats 100% | 7 / 1,723 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 135.94% | 55.95% | 72.66% | 85.34% | 100th pctl | 4 / 1,722 | |
| Loans / Assets | 66.06% | 47.91% | 62.00% | 72.82% | 59th pctl | 708 / 1,723 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||