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 | |