PackageTrendsPeer
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Selfreliance Ua

Newark, NJ · Charter 13133

Q3 2000

$53.1MAssets
$24.7MLoans
$45.5MShares
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 0.82%, up 41 bps year over year; NIM at 2.90%.
  • Asset quality: problem loans at 0.40% of loans (-173 bps YoY).
  • Funding: loans stand at 54.39% of shares as of Q3 2000.

Financial Results

Return on Assets (quarter, annualized)

0.82%+41 bps YoY

Net Interest Margin (quarter, annualized)

2.90%+53 bps YoY

Efficiency Ratio (quarter, annualized)

68.95%-923 bps YoY

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ3 1999Q4 1999Q1 2000Q2 2000Q3 2000YoY ΔTrend
Earnings
Return on Assets0.41%0.57%0.72%0.77%0.82%+41 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Margin2.36%2.45%2.83%2.87%2.90%+53 bps
Efficiency Ratio78.18%74.53%71.67%70.35%68.95%-923 bps
Growth
Asset Growth (YoY)5.87%5.36%0.52%-0.32%-1.05%-692 bps
Loan Growth (YoY)8.17%5.47%1.53%-3.64%-4.26%-1,242 bps
Share Growth (YoY)5.95%5.52%-0.10%-1.24%-2.19%-815 bps
Asset Quality
Delinquent Loans / Loans2.13%1.22%0.95%0.40%0.40%-173 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.66%0.63%0.71%0.58%0.63%-3 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 / Shares55.56%54.71%53.87%53.69%54.39%-117 bps
Liquid Assets / Assets7.76%8.38%9.53%12.10%13.88%+611 bps