Clifton, NJ · Charter 13850
Q4 1997
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1997, the quarter ended December 31, 1997, 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.
Clifton, NJ · Charter 13850
Q4 1997
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 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.47% | 3.42% | 3.17% | 3.26% | 4.02% | -44 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | n/a | -3.56% | -9.00% | -12.98% | -11.93% | n/a | |
| Loan Growth (YoY) | n/a | -23.16% | -29.64% | -25.27% | -11.89% | n/a | |
| Share Growth (YoY) | n/a | -7.28% | -13.11% | -16.97% | -16.41% | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.52% | 8.83% | 13.11% | 12.77% | 15.11% | +859 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.86% | 6.22% | 8.30% | 9.28% | 8.78% | +491 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 49.83% | 44.55% | 46.70% | 50.17% | 52.52% | +270 bps | |
| Liquid Assets / Assets | 47.69% | 48.01% | 60.58% | 61.98% | 60.57% | +1,288 bps | |