Watchung, NJ · Charter 10574
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 | 4.02% | 3.68% | 1.14% | 2.06% | 0.37% | -364 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 1.19% | n/a | n/a |
| Net Interest Margin | n/a | n/a | 2.69% | 3.63% | 2.39% | n/a | |
| Efficiency Ratio | n/a | n/a | 57.75% | 43.32% | 84.44% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 8.71% | 7.11% | 8.36% | 1.22% | -4.90% | -1,361 bps | |
| Loan Growth (YoY) | 7.16% | 8.91% | 4.79% | 2.25% | -0.24% | -740 bps | |
| Share Growth (YoY) | 7.12% | 8.47% | 10.55% | -1.23% | -8.69% | -1,581 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.26% | 3.56% | 1.35% | 1.84% | 3.13% | -13 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.12% | 3.19% | 1.65% | 1.46% | 1.44% | -168 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 31.37% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 31.37% | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 68.28% | 64.92% | 63.10% | 66.14% | 74.60% | +632 bps | |
| Liquid Assets / Assets | 49.39% | 53.72% | 18.03% | 51.10% | 47.90% | -150 bps | |