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 | |