Pinatinany, NJ · Charter 13169
NCUA · 1 branch
Q2 2021
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2021, the quarter ended June 30, 2021, 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.
Pinatinany, NJ · Charter 13169
NCUA · 1 branch
Q2 2021
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 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.13% | -0.48% | -2.96% | -1.62% | -2.78% | -2.43% | -1.90% | -3.93% | -231 bps | |
| Return on Equity | -16.60% | -6.46% | -41.51% | -22.18% | -41.83% | -34.52% | -26.94% | -59.72% | -3,754 bps | |
| Net Interest Margin | 3.76% | 4.05% | 3.95% | 3.96% | 4.22% | 4.41% | 3.65% | 3.69% | -27 bps | |
| Efficiency Ratio | 113.24% | 99.77% | 171.03% | 138.82% | 126.85% | 125.71% | 148.82% | 161.70% | +2,288 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.65% | -13.83% | -13.76% | -15.21% | -20.88% | -23.87% | -25.03% | -32.09% | -1,689 bps | |
| Loan Growth (YoY) | 7.05% | -20.44% | -13.31% | -13.58% | -36.40% | -35.25% | -44.27% | -49.12% | -3,554 bps | |
| Share Growth (YoY) | -9.30% | -14.21% | -13.73% | -15.75% | -20.73% | -23.52% | -24.96% | -31.57% | -1,582 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.33% | 4.43% | 3.51% | 3.12% | 0.99% | 0.00% | 0.00% | 0.00% | -312 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.23% | 1.44% | 1.49% | 1.62% | 2.83% | 2.76% | 3.33% | 5.30% | +368 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.83% | 7.46% | 7.13% | 7.29% | 6.65% | 7.03% | 7.04% | 6.57% | -72 bps | |
| Net Worth / Assets | 6.83% | 7.46% | 7.13% | 7.29% | 6.65% | 7.03% | 7.04% | 6.57% | -72 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 62.19% | 57.08% | 57.77% | 54.73% | 49.90% | 48.32% | 42.90% | 40.69% | -1,403 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |