Wash Township, NJ · Charter 1394
Q3 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2011, the quarter ended September 30, 2011, 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.
Wash Township, NJ · Charter 1394
Q3 2011
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 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.22% | -2.81% | -0.59% | -0.30% | -0.17% | +306 bps | |
| Return on Equity | -77.99% | -85.16% | -19.12% | -9.49% | -4.92% | +7,307 bps | |
| Net Interest Margin | 3.25% | 3.38% | 3.29% | 3.30% | 3.43% | +19 bps | |
| Efficiency Ratio | 96.43% | 114.42% | 89.89% | 91.24% | 93.07% | -336 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.46% | -13.93% | -13.88% | -15.58% | -19.38% | -1,492 bps | |
| Loan Growth (YoY) | -4.82% | -8.48% | -11.01% | -11.33% | -12.96% | -814 bps | |
| Share Growth (YoY) | 0.34% | -10.05% | -12.09% | -14.62% | -19.46% | -1,981 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.20% | 9.40% | 11.87% | 9.91% | 9.88% | +368 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 6.00% | 6.37% | 6.38% | 6.40% | 5.70% | -30 bps | |
| Capital | |||||||
| Risk-Based Capital | 4.13% | 3.30% | 3.10% | 3.18% | 3.37% | -77 bps | |
| Net Worth / Assets | 4.13% | 3.30% | 3.10% | 3.18% | 3.37% | -77 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 76.36% | 80.28% | 80.30% | 80.95% | 82.52% | +617 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |