Nestle (Freehold) Employees
Freehold, NJ · Charter 22449 · Peer group: credit unions under $1B in assets (n=1,721-1,724)
NCUA · 1 branch
Q4 2024
$1.3MAssets
$837KLoans
$616KShares
$649KNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 100% of credit unions under $1B in assets (rank 8 of 1724).
- Widest gap: efficiency ratio trails 83% of credit unions under $1B in assets (rank 1438 of 1721).
- Overall: at or above the peer median on 3 of 7 directional measures.
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 |