Paterson, NJ · Charter 12052
Q4 1998
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 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.31% | 4.27% | 5.26% | 6.39% | 1.54% | -278 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -15.25% | -14.63% | -30.92% | -39.01% | -96.55% | -8,130 bps | |
| Loan Growth (YoY) | -30.85% | -37.28% | -51.33% | -100.00% | -100.00% | -6,915 bps | |
| Share Growth (YoY) | -20.54% | -19.78% | -37.81% | -46.27% | -100.00% | -7,946 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.01% | 2.31% | 1.62% | n/a | n/a | n/a | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 7.27% | 8.85% | 11.83% | n/a | n/a | n/a | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 51.66% | 48.66% | 42.08% | 0.00% | n/a | n/a | |
| Liquid Assets / Assets | 45.38% | 57.51% | 54.02% | 97.16% | 43.88% | -149 bps | |