Newark, NJ · Charter 4175
NCUA · 1 branch
Q2 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2025, the quarter ended June 30, 2025, 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 in the New York-Newark-Jersey City, NY-NJ area (n=164 to 165). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
0
Asset Quality
84
Profitability
22
Liquidity
49
Efficiency
5
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.
Newark, NJ · Charter 4175
NCUA · 1 branch
Q2 2025
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 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.38% | -1.87% | -1.60% | -1.30% | -1.44% | -1.48% | -2.11% | -1.74% | -44 bps | |
| Return on Equity | -5.02% | -27.51% | -24.17% | -19.16% | -21.86% | -23.63% | -36.50% | -34.65% | -1,548 bps | |
| Net Interest Margin | 3.43% | 3.73% | 3.43% | 3.64% | 3.74% | 3.79% | 3.82% | 3.81% | +17 bps | |
| Efficiency Ratio | 109.69% | 124.13% | 140.16% | 130.58% | 130.58% | 133.38% | 146.81% | 139.58% | +900 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.13% | -14.17% | -15.87% | -21.99% | -21.82% | -15.13% | -14.59% | -4.07% | +1,791 bps | |
| Loan Growth (YoY) | -4.34% | -3.95% | -8.58% | -12.66% | -16.29% | -17.60% | -16.39% | -16.83% | -418 bps | |
| Share Growth (YoY) | -0.94% | -14.53% | -20.37% | -19.74% | -21.67% | -12.66% | -8.27% | -6.04% | +1,369 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.21% | 0.62% | 1.81% | 0.46% | 0.72% | 0.26% | 0.34% | 0.15% | -30 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.61% | 6.81% | 6.61% | 6.81% | 6.57% | 6.26% | 5.78% | 5.03% | -178 bps | |
| Net Worth / Assets | 7.61% | 6.81% | 6.61% | 6.81% | 6.57% | 6.26% | 5.78% | 5.03% | -178 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 31.35% | 34.42% | 34.60% | 34.28% | 33.51% | 32.47% | 31.54% | 30.34% | -394 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Newark, NJ · Charter 4175 · Peer group: credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=164-165)
NCUA · 1 branch
Q2 2025
Return on Assets
-1.74%
Rank 155 of 165
Net Interest Margin
3.81%
Rank 70 of 165
Efficiency Ratio
140.00%
Rank 158 of 165
Equity / Assets
5.03%
Rank 165 of 165
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -1.74% | -0.03% | 0.42% | 1.05% | Beats 6% | 155 / 165 | ||
| Return on Equity | -34.53% | -0.26% | 2.81% | 6.77% | Beats 2% | 161 / 165 | ||
| Net Interest Margin | 3.81% | 2.66% | 3.60% | 4.48% | Beats 58% | 70 / 165 | ||
| Efficiency Ratio | 140.00% | 67.61% | 86.07% | 99.21% | Beats 5% | 158 / 165 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.16% | 0.50% | 1.12% | 2.65% | Beats 84% | 28 / 164 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 5.03% | 10.15% | 14.29% | 20.84% | Beats 0% | 165 / 165 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 5.03% | 10.15% | 14.30% | 20.83% | Beats 0% | 165 / 165 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 30.34% | 27.35% | 47.17% | 73.79% | 30th pctl | 115 / 165 | ||
| Loans / Assets | 27.72% | 21.75% | 37.84% | 61.27% | 35th pctl | 107 / 165 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||