Charter stopped appearing in NCUA call reports — usually a merger; NCUA doesn't publish the acquirer in this data. Figures below are from its last filing. All recent changes →
No peer data.
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2025 | $8.9M | $8.1M | $2.5M | $446K | $-77K | -1.74% | 3.81% | 0.15% | 1,665 |
| Q1 2025 | $8.7M | $8.2M | $2.6M | $504K | $-46K | -2.11% | 3.82% | 0.34% | 1,665 |
| Q4 2024 | $8.9M | $8.3M | $2.7M | $558K | $-132K | -1.48% | 3.79% | 0.26% | 1,721 |
| Q3 2024 | $9.0M | $8.4M | $2.8M | $593K | $-97K | -1.44% | 3.74% | 0.72% | 1,789 |
| Q2 2024 | $9.3M | $8.6M | $3.0M | $630K | $-60K | -1.30% | 3.64% | 0.46% | 1,799 |
Loan mix (Q2 2025): real estate $417K · commercial $0 · consumer $2.0M · securities $4.5M
Nothing unusual in — — steady quarter.
| Ratio | Newark Firemen | Trend (5q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.74% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | -34.6% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | 3.81% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 139.6% |
Peer lists, growth filters, CSV export, CRM push.
| — |
| — |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Newark Firemen | Trend (5q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Newark Firemen | Trend (5q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Newark Firemen | Trend (5q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Newark Firemen | Trend (5q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Newark Firemen | Trend (5q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
1 branches in 1 county across 1 state (+0 vs 2024). Biggest market: Essex, NJ, ranked 50th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Essex, NJ | 1 | $8.1M* | 0.03% | 50th |
New Jersey: 197th with 0.00% · New York-Newark-Jersey City metro: 264th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1