Newark, NJ · Charter 62796
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
2
Asset Quality
59
Profitability
9
Liquidity
93
Efficiency
1
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 62796
NCUA · 1 branch
Q2 2025
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 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.13% | -1.30% | -0.91% | -1.47% | -7.87% | -675 bps | |
| Return on Equity | -12.14% | -14.28% | -9.69% | -16.31% | -138.90% | -12,676 bps | |
| Net Interest Margin | 2.52% | 2.50% | 2.59% | 2.58% | 2.55% | +3 bps | |
| Efficiency Ratio | 134.93% | 140.16% | 125.12% | 145.00% | 331% | +19,629 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.77% | -4.19% | -7.26% | -5.38% | -6.54% | -930 bps | |
| Loan Growth (YoY) | -2.91% | -1.67% | -4.60% | -2.27% | -4.47% | -157 bps | |
| Share Growth (YoY) | 0.88% | -8.62% | -7.35% | -6.51% | -7.41% | -830 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.64% | 1.04% | 1.56% | 0.82% | 0.87% | +24 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.28% | 9.11% | 9.41% | 8.99% | 5.67% | -362 bps | |
| Net Worth / Assets | 9.28% | 9.11% | 9.41% | 8.99% | 5.67% | -362 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 48.95% | 52.48% | 52.02% | 50.71% | 50.51% | +155 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Newark, NJ · Charter 62796 · 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
-7.87%
Rank 162 of 165
Net Interest Margin
2.55%
Rank 127 of 165
Efficiency Ratio
332%
Rank 164 of 165
Equity / Assets
5.67%
Rank 162 of 165
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -7.87% | -0.03% | 0.42% | 1.05% | Beats 2% | 162 / 165 | |
| Return on Equity | -138.86% | -0.26% | 2.81% | 6.77% | Beats 1% | 163 / 165 | |
| Net Interest Margin | 2.55% | 2.66% | 3.60% | 4.48% | Beats 23% | 127 / 165 | |
| Efficiency Ratio | 332% | 67.61% | 86.07% | 99.21% | Beats 1% | 164 / 165 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.88% | 0.50% | 1.12% | 2.65% | Beats 59% | 69 / 164 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 5.67% | 10.15% | 14.29% | 20.84% | Beats 2% | 162 / 165 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 5.67% | 10.15% | 14.30% | 20.83% | Beats 2% | 162 / 165 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 50.51% | 27.35% | 47.17% | 73.79% | 56th pctl | 73 / 165 | |
| Loans / Assets | 45.52% | 21.75% | 37.84% | 61.27% | 58th pctl | 69 / 165 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||