Elizabeth, NJ · Charter 12954
Q4 2003
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 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.04% | 0.59% | 0.20% | -0.40% | -0.66% | +38 bps | |
| Return on Equity | -4.18% | 2.15% | 0.72% | -1.43% | -2.29% | +190 bps | |
| Net Interest Margin | 4.38% | 5.87% | 5.57% | 5.56% | 5.67% | +129 bps | |
| Efficiency Ratio | 120.46% | 91.39% | 96.91% | 106.30% | 109.97% | -1,049 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.48% | -15.28% | -13.83% | -15.06% | -15.58% | -710 bps | |
| Loan Growth (YoY) | 34.84% | 23.03% | 26.69% | 22.22% | 18.80% | -1,604 bps | |
| Share Growth (YoY) | -6.11% | -19.23% | -18.11% | -20.50% | -19.40% | -1,329 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.38% | 0.42% | 0.42% | 1.45% | 0.00% | -38 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 8.58% | 9.33% | 9.31% | 9.33% | 6.90% | -168 bps | |
| Capital | |||||||
| Risk-Based Capital | 24.84% | 27.56% | 27.58% | 27.99% | 28.76% | +391 bps | |
| Net Worth / Assets | 24.84% | 27.56% | 27.58% | 27.99% | 28.76% | +391 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 50.41% | 54.26% | 53.18% | 55.38% | 74.31% | +2,389 bps | |
| Liquid Assets / Assets | 54.90% | 64.07% | 63.93% | 62.82% | 50.02% | -488 bps | |