Airwork
Millville, NJ · Charter 7289 · Peer group: credit unions under $1B in assets (n=1,675-1,678)
NCUA · 1 branch
Q1 2025
$41.2MAssets
$10.2MLoans
$36.3MShares
$4.9MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 92% of credit unions under $1B in assets (rank 142 of 1675).
- Widest gap: net interest margin trails 82% of credit unions under $1B in assets (rank 1381 of 1677).
- Overall: at or above the peer median on 3 of 7 directional measures.
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 |