Hillside, NJ · Charter 13862
Q2 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2007, the quarter ended June 30, 2007, 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.
Hillside, NJ · Charter 13862
Q2 2007
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 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.63% | 0.95% | 0.71% | -3.45% | -15.95% | -1,658 bps | |
| Return on Equity | 2.25% | 3.32% | 2.48% | -12.41% | -75.13% | -7,738 bps | |
| Net Interest Margin | 4.66% | 4.58% | 4.70% | 4.72% | 1.34% | -332 bps | |
| Efficiency Ratio | 86.43% | 79.30% | 84.98% | 66.98% | 752% | +66,558 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -11.19% | -12.69% | -4.06% | -6.44% | -2.16% | +903 bps | |
| Loan Growth (YoY) | -1.88% | -7.39% | -8.46% | -9.27% | -1.64% | +25 bps | |
| Share Growth (YoY) | -15.67% | -18.06% | -6.55% | -8.44% | 2.66% | +1,833 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.73% | 6.66% | 15.53% | 0.14% | 0.07% | -166 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.38% | 2.44% | 2.54% | 0.74% | 4.03% | +165 bps | |
| Capital | |||||||
| Risk-Based Capital | 28.10% | 28.59% | 28.48% | 27.82% | 21.23% | -688 bps | |
| Net Worth / Assets | 28.10% | 28.59% | 28.48% | 27.82% | 21.23% | -688 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 96.21% | 94.83% | 90.22% | 88.04% | 92.19% | -403 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |