Sewaren, NJ · Charter 11863
NCUA · 1 branch
Q1 2017
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 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -6.63% | -6.98% | -6.95% | -7.07% | -8.83% | -8.90% | -9.36% | -8.44% | -136 bps | |
| Return on Equity | -31.75% | -35.12% | -39.44% | -45.61% | -49.67% | -59.66% | -73.03% | -83.57% | -3,796 bps | |
| Net Interest Margin | 1.44% | 1.41% | 1.27% | 0.70% | 0.79% | 0.69% | 0.63% | 0.31% | -38 bps | |
| Efficiency Ratio | 558% | 594% | 642% | 829% | 669% | 850% | 1018% | 895% | +6,666 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -22.95% | -25.95% | -9.10% | -1.80% | -21.88% | -16.55% | -20.53% | -18.19% | -1,639 bps | |
| Loan Growth (YoY) | -14.25% | -14.17% | -49.05% | -58.02% | -61.72% | -66.24% | -61.76% | -62.42% | -440 bps | |
| Share Growth (YoY) | -23.05% | -26.93% | -4.59% | 7.63% | -18.15% | -11.60% | -15.17% | -12.90% | -2,053 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 36.05% | 18.79% | 5.72% | 21.40% | 0.00% | -3,605 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 14.75% | 16.69% | 23.62% | 30.17% | 38.53% | 49.43% | 61.77% | 80.27% | +5,011 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.87% | 19.88% | 17.63% | 15.51% | 17.78% | 14.91% | 12.82% | 10.10% | -541 bps | |
| Net Worth / Assets | 20.87% | 19.88% | 17.63% | 15.51% | 17.78% | 14.91% | 12.82% | 10.10% | -541 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 24.43% | 22.15% | 14.89% | 11.02% | 11.43% | 8.46% | 6.71% | 4.76% | -627 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |