Wayne, NJ · Charter 10259
Q4 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2000, the quarter ended December 31, 2000, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Wayne, NJ · Charter 10259
Q4 2000
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 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.64% | 3.56% | 0.81% | 0.86% | 0.87% | -277 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 5.55% | n/a | n/a |
| Net Interest Margin | n/a | n/a | 3.99% | 4.26% | 4.58% | n/a | |
| Efficiency Ratio | n/a | n/a | 74.13% | 74.00% | 75.39% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 8.38% | 16.69% | 16.85% | 9.79% | -4.81% | -1,319 bps | |
| Loan Growth (YoY) | 0.40% | -7.67% | -9.88% | -13.02% | -17.47% | -1,788 bps | |
| Share Growth (YoY) | 9.02% | 19.36% | 19.61% | 10.96% | -7.30% | -1,632 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.97% | 0.81% | 1.22% | 1.34% | 1.05% | +8 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.18% | 1.19% | 1.17% | 1.21% | 1.46% | +28 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 15.68% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 15.68% | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 68.85% | 59.62% | 60.29% | 60.55% | 61.29% | -756 bps | |
| Liquid Assets / Assets | 13.74% | 10.33% | 36.81% | 41.18% | 47.07% | +3,333 bps | |