Pinatinany, NJ · Charter 13169
NCUA · 1 branch
Q2 2021
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 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.62% | -2.78% | -2.43% | -1.90% | -3.93% | -231 bps | |
| Return on Equity | -22.18% | -41.83% | -34.52% | -26.94% | -59.72% | -3,754 bps | |
| Net Interest Margin | 3.96% | 4.22% | 4.41% | 3.65% | 3.69% | -27 bps | |
| Efficiency Ratio | 138.82% | 126.85% | 125.71% | 148.82% | 161.70% | +2,288 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -15.21% | -20.88% | -23.87% | -25.03% | -32.09% | -1,689 bps | |
| Loan Growth (YoY) | -13.58% | -36.40% | -35.25% | -44.27% | -49.12% | -3,554 bps | |
| Share Growth (YoY) | -15.75% | -20.73% | -23.52% | -24.96% | -31.57% | -1,582 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 1.62% | 2.83% | 2.76% | 3.33% | 5.30% | +368 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.29% | 6.65% | 7.03% | 7.04% | 6.57% | -72 bps | |
| Net Worth / Assets | 7.29% | 6.65% | 7.03% | 7.04% | 6.57% | -72 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |