Elmwood Park, NJ · Charter 11426
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.
Elmwood Park, NJ · Charter 11426
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 | 2.40% | 3.95% | 0.09% | -0.16% | 0.09% | -231 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 0.67% | n/a | n/a |
| Net Interest Margin | n/a | n/a | 3.27% | 3.61% | 1.56% | n/a | |
| Efficiency Ratio | n/a | n/a | 97.47% | 104.00% | 95.02% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -6.63% | -1.16% | -5.54% | -10.11% | -6.87% | -24 bps | |
| Loan Growth (YoY) | 7.64% | -0.13% | -19.34% | -27.15% | -23.75% | -3,140 bps | |
| Share Growth (YoY) | -7.39% | -1.20% | -5.53% | -10.47% | -7.88% | -49 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 21.29% | 13.29% | 10.08% | 10.23% | 10.23% | -1,106 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 6.53% | 6.93% | 8.05% | 8.83% | 8.83% | +230 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 14.04% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 14.04% | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 68.58% | 58.38% | 56.66% | 56.76% | 56.76% | -1,182 bps | |
| Liquid Assets / Assets | 26.67% | 37.32% | 40.44% | 50.86% | 50.86% | +2,419 bps | |