PackageTrendsPeer
Letter portraitLegal landscape

Four-Sixteen

No. Brunswick, NJ · Charter 13900

Q2 2009

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: Q2 2009, the quarter ended June 30, 2009, 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

Four-Sixteen

No. Brunswick, NJ · Charter 13900

Q2 2009

$8.2MAssets
$4.6MLoans
$8.5MShares
$-439KNet 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 -17.01%, down 1,608 bps year over year; NIM at 4.94%.
  • Asset quality: problem loans at 11.60% of loans (+151 bps YoY).
  • Capital: net worth / assets of -5.34%, down 1,423 bps from a year ago.
  • Funding: loans stand at 54.05% of shares as of Q2 2009.

Financial Results

Return on Assets (YTD, annualized)

-17.01%-1,608 bps YoY

Net Interest Margin (YTD, annualized)

4.94%+70 bps YoY

Efficiency Ratio (YTD, annualized)

127.90%+4,442 bps YoY

Net Worth / Assets

-5.34%-1,423 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2008Q3 2008Q4 2008Q1 2009Q2 2009YoY ΔTrend
Earnings
Return on Assets-0.94%-1.37%-7.55%-22.89%-17.01%-1,608 bps
Return on Equity-10.54%-15.20%-249%n/an/an/a
Net Interest Margin4.24%4.52%4.57%4.99%4.94%+70 bps
Efficiency Ratio83.48%83.47%190.64%115.24%127.90%+4,442 bps
Growth
Asset Growth (YoY)-15.73%-13.48%-12.89%-10.67%-15.37%+37 bps
Loan Growth (YoY)-15.21%-12.05%-9.28%-4.11%-7.75%+746 bps
Share Growth (YoY)-15.94%-13.30%-7.62%-0.35%-4.02%+1,192 bps
Asset Quality
Delinquent Loans / Loans10.09%10.32%11.85%12.48%11.60%+151 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.98%4.39%6.18%14.48%12.47%+849 bps
Capital
Risk-Based Capital8.89%8.98%3.03%-2.74%-5.34%-1,423 bps
Net Worth / Assets8.89%8.98%3.03%-2.74%-5.34%-1,423 bps
Liquidity & Funding
Loans / Shares56.24%60.66%59.46%55.39%54.05%-218 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps