Piscataway, NJ · Charter 1007
Q1 2004
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -4.73% | -4.81% | -4.69% | -4.73% | -3.33% | +141 bps | |
| Return on Equity | -36.30% | -38.82% | -39.54% | -40.20% | -30.69% | +561 bps | |
| Net Interest Margin | 0.19% | 0.06% | 0.33% | 0.70% | 1.93% | +174 bps | |
| Efficiency Ratio | 2135% | 4509% | 1287% | 719% | 269% | -186,606 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -16.56% | -7.74% | -6.99% | -15.83% | -12.03% | +453 bps | |
| Loan Growth (YoY) | -27.01% | -17.77% | -17.61% | -40.76% | -41.38% | -1,437 bps | |
| Share Growth (YoY) | -11.92% | -3.75% | 3.55% | -0.39% | 2.61% | +1,453 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 9.10% | 8.99% | 6.69% | 21.15% | 19.20% | +1,009 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 15.11% | 16.94% | 16.36% | 19.37% | 17.39% | +228 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.04% | 12.40% | 11.86% | 11.77% | 10.84% | -220 bps | |
| Net Worth / Assets | 13.04% | 12.40% | 11.86% | 11.77% | 10.84% | -220 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 18.70% | 15.19% | 15.14% | 13.70% | 10.68% | -802 bps | |
| Liquid Assets / Assets | 85.19% | 87.09% | 85.93% | 80.88% | 83.44% | -175 bps | |