PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Newark Firemen

Newark, NJ · Charter 4175

NCUA · 1 branch

Q2 2025

$8.9MAssets
$2.5MLoans
$8.1MShares
$446KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -1.74%, down 44 bps year over year; NIM at 3.81%.
  • Asset quality: problem loans at 0.15% of loans (-30 bps YoY).
  • Capital: net worth / assets of 5.03%, down 178 bps from a year ago.
  • Funding: loans stand at 30.34% of shares as of Q2 2025.

Financial Results

Return on Assets (quarter, annualized)

-1.74%-44 bps YoY

Net Interest Margin (quarter, annualized)

3.81%+17 bps YoY

Efficiency Ratio (quarter, annualized)

139.58%+900 bps YoY

Net Worth / Assets

5.03%-178 bps YoY

Discrete quarter, annualized.

MetricQ2 2024Q3 2024Q4 2024Q1 2025Q2 2025YoY ΔTrend
Earnings
Return on Assets-1.30%-1.44%-1.48%-2.11%-1.74%-44 bps
Return on Equity-19.16%-21.86%-23.63%-36.50%-34.65%-1,548 bps
Net Interest Margin3.64%3.74%3.79%3.82%3.81%+17 bps
Efficiency Ratio130.58%130.58%133.38%146.81%139.58%+900 bps
Growth
Asset Growth (YoY)-21.99%-21.82%-15.13%-14.59%-4.07%+1,791 bps
Loan Growth (YoY)-12.66%-16.29%-17.60%-16.39%-16.83%-418 bps
Share Growth (YoY)-19.74%-21.67%-12.66%-8.27%-6.04%+1,369 bps
Asset Quality
Delinquent Loans / Loans0.46%0.72%0.26%0.34%0.15%-30 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital6.81%6.57%6.26%5.78%5.03%-178 bps
Net Worth / Assets6.81%6.57%6.26%5.78%5.03%-178 bps
Liquidity & Funding
Loans / Shares34.28%33.51%32.47%31.54%30.34%-394 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps