Plainfield, NJ · Charter 66188
NCUA · 1 branch
Q1 2024
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 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.19% | 0.15% | -1.21% | -2.21% | -1.83% | -202 bps | |
| Return on Equity | 1.04% | 0.70% | -4.35% | -7.78% | -5.35% | -640 bps | |
| Net Interest Margin | 1.96% | 4.65% | 3.67% | 3.28% | 4.22% | +226 bps | |
| Efficiency Ratio | 90.53% | 96.75% | 132.35% | 166.36% | 143.35% | +5,282 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.00% | -24.18% | -35.22% | -39.66% | -51.70% | -5,170 bps | |
| Loan Growth (YoY) | 0.00% | -4.92% | -35.95% | -46.16% | -50.09% | -5,009 bps | |
| Share Growth (YoY) | 0.00% | -28.65% | -42.30% | -47.06% | -63.32% | -6,332 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 5.34% | 26.57% | 22.12% | 31.41% | +3,141 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 | 17.80% | 21.87% | 27.78% | 28.45% | 34.22% | +1,642 bps | |
| Net Worth / Assets | 17.80% | 21.87% | 27.78% | 28.45% | 34.22% | +1,642 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 13.45% | 17.90% | 17.08% | 15.17% | 18.30% | +485 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |