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St. John Baptist

Scotch Plains, NJ · Charter 13166

Q4 2005

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2005, the quarter ended December 31, 2005, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

St. John Baptist

Scotch Plains, NJ · Charter 13166

Q4 2005

$70KAssets
$11KLoans
$73KShares
$-3KNet 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 -14.09%, down 1,386 bps year over year; NIM at 2.42%.
  • Asset quality: problem loans at 10.79% of loans (-2,988 bps YoY).
  • Capital: net worth / assets of -4.03%, down 1,301 bps from a year ago.
  • Funding: loans stand at 14.69% of shares as of Q4 2005.

Financial Results

Return on Assets (YTD, annualized)

-14.09%-1,386 bps YoY

Net Interest Margin (YTD, annualized)

2.42%-46 bps YoY

Efficiency Ratio (YTD, annualized)

126.37%+1,934 bps YoY

Net Worth / Assets

-4.03%-1,301 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2004Q1 2005Q2 2005Q3 2005Q4 2005YoY ΔTrend
Earnings
Return on Assets-0.23%-1.18%0.04%-18.05%-14.09%-1,386 bps
Return on Equity-2.54%-13.80%0.53%n/an/an/a
Net Interest Margin2.88%1.42%0.45%2.09%2.42%-46 bps
Efficiency Ratio107.03%177.63%90.91%133.86%126.37%+1,934 bps
Growth
Asset Growth (YoY)-3.30%-3.42%-2.60%-8.28%-10.69%-740 bps
Loan Growth (YoY)-7.50%-16.89%-26.45%-44.20%-46.17%-3,867 bps
Share Growth (YoY)-3.17%-3.41%-2.76%4.25%1.89%+506 bps
Asset Quality
Delinquent Loans / Loans40.67%37.45%55.12%12.07%10.79%-2,988 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans5.02%5.35%6.41%33.86%39.75%+3,473 bps
Capital
Risk-Based Capital8.98%8.56%8.39%-3.82%-4.03%-1,301 bps
Net Worth / Assets8.98%8.56%8.39%-3.82%-4.03%-1,301 bps
Liquidity & Funding
Loans / Shares27.81%25.62%21.06%16.72%14.69%-1,312 bps
Liquid Assets / Assets70.46%72.10%74.38%82.34%86.46%+1,600 bps