Wayne, NJ · Charter 14738
Q2 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2003, the quarter ended June 30, 2003, 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.
Wayne, NJ · Charter 14738
Q2 2003
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 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.71% | 0.71% | 0.68% | 0.57% | 0.64% | -7 bps | |
| Return on Equity | 7.21% | 7.66% | 7.66% | 6.68% | 7.64% | +43 bps | |
| Net Interest Margin | 0.98% | 1.00% | 0.94% | 1.06% | 0.91% | -7 bps | |
| Efficiency Ratio | 16.71% | 15.44% | 15.71% | 13.94% | 14.21% | -249 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 37.46% | 33.89% | 30.71% | 26.28% | 27.04% | -1,042 bps | |
| Loan Growth (YoY) | 5.00% | 6.71% | 6.14% | 4.80% | 1.53% | -347 bps | |
| Share Growth (YoY) | 42.36% | 37.71% | 33.68% | 28.56% | 29.27% | -1,309 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.56% | 0.61% | 0.78% | 0.69% | 0.53% | -4 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.95% | 0.99% | 0.81% | 1.14% | 0.67% | -28 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.78% | 9.28% | 8.86% | 8.55% | 8.36% | -142 bps | |
| Net Worth / Assets | 9.78% | 9.28% | 8.86% | 8.55% | 8.36% | -142 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 23.96% | 22.68% | 21.38% | 20.03% | 18.82% | -514 bps | |
| Liquid Assets / Assets | 15.87% | 13.56% | 12.16% | 10.47% | 12.28% | -359 bps | |