Millville, NJ · Charter 7289
NCUA · 1 branch
Q1 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2025, the quarter ended March 31, 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 (n=1,675 to 1,678). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
45
Asset Quality
21
Profitability
65
Liquidity
0
Efficiency
88
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.
Millville, NJ · Charter 7289
NCUA · 1 branch
Q1 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 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.48% | 1.44% | 1.49% | 1.80% | 1.97% | 1.95% | 1.87% | 1.56% | -23 bps | |
| Return on Equity | 14.35% | 13.53% | 13.71% | 16.24% | 17.41% | 16.30% | 15.55% | 13.25% | -299 bps | |
| Net Interest Margin | 2.81% | 2.85% | 2.89% | 3.23% | 3.29% | 3.39% | 3.28% | 2.93% | -30 bps | |
| Efficiency Ratio | 61.88% | 63.36% | 62.38% | 57.69% | 53.94% | 55.66% | 56.17% | 59.20% | +151 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.89% | 4.85% | 7.75% | 5.16% | 6.10% | 5.48% | 6.77% | 10.01% | +486 bps | |
| Loan Growth (YoY) | 26.51% | 17.95% | 14.70% | 12.48% | 9.33% | 8.97% | 3.78% | -3.45% | -1,593 bps | |
| Share Growth (YoY) | 9.65% | 3.88% | 6.90% | 4.04% | 4.88% | 3.92% | 5.38% | 8.97% | +492 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.00% | 2.02% | 2.08% | 1.50% | 1.19% | 0.49% | 1.13% | 1.39% | -11 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 | 10.35% | 10.64% | 10.85% | 11.05% | 11.32% | 11.97% | 12.03% | 11.80% | +75 bps | |
| Net Worth / Assets | 10.35% | 10.64% | 10.85% | 11.05% | 11.32% | 11.97% | 12.03% | 11.80% | +75 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 30.23% | 31.46% | 32.38% | 31.85% | 31.51% | 32.99% | 31.88% | 28.22% | -363 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Millville, NJ · Charter 7289 · Peer group: credit unions under $1B in assets (n=1,675-1,678)
NCUA · 1 branch
Q1 2025
Return on Assets
1.56%
Rank 239 of 1,678
Net Interest Margin
2.93%
Rank 1,381 of 1,677
Efficiency Ratio
59.24%
Rank 195 of 1,675
Equity / Assets
11.80%
Rank 924 of 1,677
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.56% | 0.24% | 0.67% | 1.21% | Beats 86% | 239 / 1,678 | ||
| Return on Equity | 13.23% | 1.96% | 5.37% | 8.99% | Beats 92% | 142 / 1,675 | ||
| Net Interest Margin | 2.93% | 3.12% | 3.67% | 4.25% | Beats 18% | 1,381 / 1,677 | ||
| Efficiency Ratio | 59.24% | 68.92% | 78.89% | 88.44% | Beats 88% | 195 / 1,675 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.39% | 0.21% | 0.58% | 1.19% | Beats 21% | 1,326 / 1,676 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.80% | 10.02% | 12.33% | 15.89% | Beats 45% | 926 / 1,678 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.80% | 10.02% | 12.33% | 15.89% | Beats 45% | 924 / 1,677 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 28.22% | 54.28% | 70.33% | 83.29% | 4th pctl | 1,616 / 1,677 | ||
| Loans / Assets | 24.84% | 46.21% | 59.98% | 70.96% | 5th pctl | 1,597 / 1,677 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||