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Dow Jones Employees

Princeton, NJ · Charter 24062

NCUA · 1 branch

Q4 2022

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2022, the quarter ended December 31, 2022, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Dow Jones Employees

Princeton, NJ · Charter 24062

NCUA · 1 branch

Q4 2022

$11.5MAssets
$2.8MLoans
$10.1MShares
$1.1MNet Worth

Executive Summary

  • Earnings: ROA of -4.23%, down 440 bps year over year; NIM at 0.64%.
  • Asset quality: problem loans at 4.17% of loans (+33 bps YoY).
  • Capital: net worth / assets of 9.99%, down 260 bps from a year ago.
  • Funding: loans stand at 28.16% of shares as of Q4 2022.

Return on Assets (YTD, annualized)

-4.23%-440 bps YoY

Net Interest Margin (YTD, annualized)

0.64%-110 bps YoY

Efficiency Ratio (YTD, annualized)

507%+41,349 bps YoY

Net Worth / Assets

9.99%-260 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2021Q2 2021Q3 2021Q4 2021Q1 2022Q2 2022Q3 2022Q4 2022YoY ΔTrend
Earnings
Return on Assets0.80%0.10%0.58%0.17%-0.19%-0.60%-0.65%-4.23%-440 bps
Return on Equity6.35%0.74%4.51%1.36%-1.53%-4.79%-5.23%-42.37%-4,373 bps
Net Interest Margin2.01%1.90%1.83%1.74%2.05%1.36%1.54%0.64%-110 bps
Efficiency Ratio73.91%96.16%80.32%93.39%109.07%133.00%134.54%507%+41,349 bps
Growth
Asset Growth (YoY)6.15%0.81%5.27%5.72%0.39%0.27%-2.41%-11.45%-1,716 bps
Loan Growth (YoY)-25.13%-22.43%-24.66%-12.88%-18.51%-18.02%-18.83%-11.21%+166 bps
Share Growth (YoY)6.87%0.63%5.56%2.74%0.79%0.44%-1.14%-10.81%-1,354 bps
Asset Quality
Delinquent Loans / Loans3.47%3.50%3.46%3.84%4.25%4.44%4.27%4.17%+33 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.16%1.17%1.16%1.24%1.42%1.41%1.41%2.61%+137 bps
Capital
Risk-Based Capital12.61%12.78%12.84%12.59%12.49%12.58%12.40%9.99%-260 bps
Net Worth / Assets12.61%12.78%12.84%12.59%12.49%12.58%12.40%9.99%-260 bps
Liquidity & Funding
Loans / Shares30.28%30.80%30.37%28.29%24.48%25.14%24.94%28.16%-13 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps