Millville, NJ · Charter 7289
NCUA · 1 branch
Q1 2025
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |