Phillipsburg, NJ · Charter 14127
NCUA · 1 branch
Q1 2022
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 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.95% | 0.78% | 1.13% | 0.56% | -6.34% | -829 bps | |
| Return on Equity | 35.34% | 14.43% | 19.20% | 10.13% | -175.05% | -21,039 bps | |
| Net Interest Margin | 2.24% | 2.20% | 2.15% | 2.08% | 1.73% | -51 bps | |
| Efficiency Ratio | 82.27% | 97.30% | 84.52% | 94.32% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 22.40% | 14.78% | 15.26% | 9.61% | 2.39% | -2,001 bps | |
| Loan Growth (YoY) | -24.48% | -24.80% | -20.95% | -15.96% | -13.76% | +1,072 bps | |
| Share Growth (YoY) | 24.47% | 16.10% | 15.67% | 10.08% | 3.95% | -2,052 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.04% | 2.50% | 1.14% | 0.98% | 0.92% | -11 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.31% | 4.61% | 4.72% | 4.90% | 1.18% | -313 bps | |
| Capital | |||||||
| Risk-Based Capital | 5.52% | 5.38% | 5.88% | 5.57% | 3.62% | -190 bps | |
| Net Worth / Assets | 5.52% | 5.38% | 5.88% | 5.57% | 3.62% | -190 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 36.96% | 34.63% | 34.20% | 33.14% | 30.66% | -630 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |