Heard A.M.E. Federal Credit Union
Roselle, NJ·Charter 23615·cu:23615·Credit union RBC / net worth
Performance over time
7 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
Credit union · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Heard A.M.E. Federal Credit Union
5 of 18 FORFI signals stand out against 2478 similar credit unions, based on NCUA data for the quarter.
Net interest margin widening faster than peersStrength: Earnings 2nd quarter4.93%peers 3.93%+100 bps
Heard A.M.E. Federal Credit Union's net interest margin on average assets rose 156 bps over the past year to 4.93%. Among 2470 similar credit unions, the median rose 1 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Net interest margin on average assets | ||
| 4.93% | 3.93% | +100 bps |
| 12-month change | ||
| +156 bps | +1 bps | +155 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 2478 credit unions with under $100 million in assets that filed NCUA data for the same quarter. Heard A.M.E. Federal Credit Union itself is left out of every peer median and percentile. How signals work
Net worth ratio rising faster than peersStrength: Capital 2nd quarter9.38%peers 14.31%-4.9 pp
Heard A.M.E. Federal Credit Union's net worth ratio rose 3.9 percentage points over the past year to 9.38%. Among 2473 similar credit unions, the median rose 0.4 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Net worth ratio | ||
| 9.38% | 14.31% | -4.9 pp |
| 12-month change | ||
| +3.9 pp | +0.4 pp | +3.4 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 2478 credit unions with under $100 million in assets that filed NCUA data for the same quarter. Heard A.M.E. Federal Credit Union itself is left out of every peer median and percentile. How signals work
Delinquent loans rising while the peer median holds steadyWorth a look: Asset quality 2nd quarter6.33%peers 0.70%+564 bps
Heard A.M.E. Federal Credit Union's loans 60+ days delinquent as a share of loans rose 297 bps over the past year to 6.33%. Among 2462 similar credit unions, the median was essentially unchanged.
| This institution | Peer median | Difference |
|---|---|---|
| Loans 60+ days delinquent as a share of loans | ||
| 6.33% | 0.70% | +564 bps |
| 12-month change | ||
| +297 bps | 0 bps | +297 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 2478 credit unions with under $100 million in assets that filed NCUA data for the same quarter. Heard A.M.E. Federal Credit Union itself is left out of every peer median and percentile. How signals work
Share and deposit costs among the lowest of similar credit unionsStrength: Funding 2nd quarter0.05%peers 0.91%-85 bps
Heard A.M.E. Federal Credit Union's cost of all shares and deposits was 0.05%, compared with a median of 0.91% among 2475 similar credit unions: lower than 94% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Cost of all shares and deposits | ||
| 0.05% | 0.91% | -85 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 2478 credit unions with under $100 million in assets that filed NCUA data for the same quarter. Heard A.M.E. Federal Credit Union itself is left out of every peer median and percentile. How signals work
Efficiency ratio rising faster than peersWorth a look: Efficiency85.3%peers 79.8%+5.5 pp
Heard A.M.E. Federal Credit Union's efficiency ratio rose 38.6 percentage points over the past year to 85.3%. Among 2444 similar credit unions, the median rose 2.5 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Efficiency ratio | ||
| 85.3% | 79.8% | +5.5 pp |
| 12-month change | ||
| +38.6 pp | +2.5 pp | +36.0 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 2478 credit unions with under $100 million in assets that filed NCUA data for the same quarter. Heard A.M.E. Federal Credit Union itself is left out of every peer median and percentile. How signals work
Key facts
- Heard A.M.E. Federal Credit Union is a federally chartered credit union headquartered in Roselle, New Jersey. It reported $164,885 in total assets for the quarter ended June 30, 2026.
- Shares and deposits totaled $149,001, down 19.2% from a year earlier, and loans totaled $43,060, down 13.3%.
- Its net interest margin on average assets was 4.93% and its annualized return on assets was 0.80% for the quarter.
- Its cost of all shares and deposits was 0.05%, compared with a median of 0.91% among 2475 similar credit unions with under $100 million in assets.
- It served 191 members, up 0.5% from a year earlier.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Heard A.M.E. Federal Credit Union's own data, FORFI would look at: Which relationships and products drive the change in earnings, and where pricing has drifted.
Analysis workspaces
Sources and identifiers
- Institution
- Heard A.M.E. Federal Credit Union · Credit union
- NCUA charter
- 23615
- Reporting period
- Peer group
- 2478 credit unions with under $100 million in assets that filed NCUA data for the same quarter. Heard A.M.E. Federal Credit Union itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
NCUA · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation |
|---|---|
| $340 | |
| $2.1K | |
| $20 | |
| $2.08K | |
| $228 | |
| $1.97K | |
| $0 | |
| — | |
| 0.80% | |
| 4.93% | |
| 85.28% |
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-16T13:43:41.229347+00:00. Separate reference provenance is included in the export.