Newark, NJ · Charter 112
NCUA · 1 branch
Q2 2021
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.20% | -1.19% | -1.40% | -4.36% | -11.11% | -991 bps | |
| Return on Equity | -13.41% | -13.65% | -16.65% | -65.16% | -462% | -44,871 bps | |
| Net Interest Margin | 3.74% | 3.62% | 3.63% | 3.10% | 3.13% | -61 bps | |
| Efficiency Ratio | 130.55% | 130.73% | 130.41% | 237% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 9.62% | 14.78% | 17.43% | 22.35% | 2.76% | -687 bps | |
| Loan Growth (YoY) | -22.23% | -13.43% | -10.59% | -16.86% | 0.44% | +2,266 bps | |
| Share Growth (YoY) | 11.61% | 17.98% | 21.50% | 28.56% | 10.38% | -124 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.23% | 1.66% | 9.00% | 5.21% | 0.54% | -169 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.68% | 0.64% | 0.75% | 0.83% | 1.24% | +55 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.94% | 8.70% | 8.39% | 6.69% | 2.40% | -654 bps | |
| Net Worth / Assets | 8.94% | 8.70% | 8.39% | 6.69% | 2.40% | -654 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 28.77% | 31.03% | 30.83% | 25.07% | 26.18% | -259 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |