Newark, NJ · Charter 62796
NCUA · 1 branch
Q2 2025
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.67% | -1.62% | -1.05% | -1.13% | -1.30% | -0.91% | -1.47% | -7.87% | -675 bps | |
| Return on Equity | -16.61% | -16.89% | -11.08% | -12.14% | -14.28% | -9.69% | -16.31% | -138.90% | -12,676 bps | |
| Net Interest Margin | 2.55% | 2.44% | 2.55% | 2.52% | 2.50% | 2.59% | 2.58% | 2.55% | +3 bps | |
| Efficiency Ratio | 149.09% | 149.72% | 132.64% | 134.93% | 140.16% | 125.12% | 145.00% | 331% | +19,629 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.28% | 6.24% | 3.29% | 2.77% | -4.19% | -7.26% | -5.38% | -6.54% | -930 bps | |
| Loan Growth (YoY) | 10.02% | 3.58% | -1.31% | -2.91% | -1.67% | -4.60% | -2.27% | -4.47% | -157 bps | |
| Share Growth (YoY) | 4.59% | 2.56% | 1.93% | 0.88% | -8.62% | -7.35% | -6.51% | -7.41% | -830 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.42% | 1.64% | 0.48% | 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 | 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 | 10.05% | 9.58% | 9.45% | 9.28% | 9.11% | 9.41% | 8.99% | 5.67% | -362 bps | |
| Net Worth / Assets | 10.05% | 9.58% | 9.45% | 9.28% | 9.11% | 9.41% | 8.99% | 5.67% | -362 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 48.77% | 50.51% | 48.50% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |