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 | |