No. Plainfield, NJ · Charter 12221
Q1 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2007, the quarter ended March 31, 2007, 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.
No. Plainfield, NJ · Charter 12221
Q1 2007
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 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -16.28% | -11.04% | -6.24% | -5.86% | 2.97% | +1,924 bps | |
| Return on Equity | -136.49% | -103.99% | -55.10% | -55.63% | 26.41% | +16,290 bps | |
| Net Interest Margin | -13.64% | -5.90% | -2.50% | -1.58% | 4.13% | +1,777 bps | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 28.15% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -1.53% | -1.59% | -0.95% | -0.45% | 0.55% | +208 bps | |
| Loan Growth (YoY) | 244% | 424% | 961% | -26.53% | -33.00% | -27,709 bps | |
| Share Growth (YoY) | 2.67% | 4.19% | 4.48% | 6.07% | 1.35% | -132 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 72.39% | 83.16% | 83.16% | 91.08% | 108.04% | +3,565 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.93% | 10.62% | 11.33% | 10.53% | 11.23% | -70 bps | |
| Net Worth / Assets | 11.93% | 10.62% | 11.33% | 10.53% | 11.23% | -70 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 3.14% | 2.72% | 2.72% | 2.48% | 2.08% | -106 bps | |
| Liquid Assets / Assets | 98.05% | 0.00% | 0.00% | 0.00% | 0.00% | -9,805 bps | |