Totowa Boro, NJ · Charter 12215
Q2 2001
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 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.35% | -4.07% | 0.96% | 0.29% | 0.75% | -260 bps | |
| Return on Equity | n/a | n/a | n/a | 1.72% | 4.54% | n/a | |
| Net Interest Margin | n/a | 4.04% | 5.75% | 6.20% | 7.47% | n/a | |
| Efficiency Ratio | n/a | 88.49% | 77.27% | 86.38% | 88.40% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -14.22% | -18.54% | -12.64% | -10.82% | -5.70% | +853 bps | |
| Loan Growth (YoY) | 10.25% | 0.25% | 41.23% | 45.30% | 80.19% | +6,994 bps | |
| Share Growth (YoY) | -17.31% | -18.12% | -11.14% | -9.15% | -3.32% | +1,399 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 13.99% | 7.84% | 1.69% | 0.96% | 0.85% | -1,314 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 5.88% | 5.88% | 0.97% | 2.60% | 2.25% | -363 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | 16.56% | 16.47% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | 16.56% | 16.47% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 47.86% | 46.34% | 66.32% | 76.74% | 89.19% | +4,134 bps | |
| Liquid Assets / Assets | 55.78% | 55.72% | 38.98% | 33.42% | 21.30% | -3,448 bps | |