PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Hill Rock Employees

Demarest, NJ · Charter 11925

Q2 2000

$539KAssets
$436KLoans
$489KShares
n/aNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.06%, down 139 bps year over year; NIM at 7.87%.
  • Asset quality: problem loans at 0.06% of loans (-51 bps YoY).
  • Funding: loans stand at 89.18% of shares as of Q2 2000.

Financial Results

Return on Assets (YTD, annualized)

1.06%-139 bps YoY

Net Interest Margin (YTD, annualized)

7.87%

Efficiency Ratio (YTD, annualized)

81.97%

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ2 1998Q4 1998Q2 1999Q4 1999Q2 2000YoY ΔTrend
Earnings
Return on Assets2.45%2.14%1.94%-1.21%1.06%-139 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/a8.72%7.87%n/a
Efficiency Ration/an/an/a93.50%81.97%n/a
Growth
Asset Growth (YoY)15.06%16.77%15.88%16.46%39.02%+2,396 bps
Loan Growth (YoY)1.85%17.43%27.51%55.45%134.92%+13,308 bps
Share Growth (YoY)16.13%20.30%18.51%17.70%48.79%+3,266 bps
Asset Quality
Delinquent Loans / Loans0.57%0.87%1.65%5.76%0.06%-51 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.95%0.59%1.36%1.84%0.32%-63 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares56.48%72.11%65.58%85.12%89.18%+3,270 bps
Liquid Assets / Assets36.02%24.04%21.24%15.38%11.08%-2,494 bps