Riverton, NJ · Charter 14788
Q4 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2007, the quarter ended December 31, 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.
Riverton, NJ · Charter 14788
Q4 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 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.21% | 0.48% | 0.36% | 0.36% | -7.99% | -778 bps | |
| Return on Equity | -1.38% | 3.05% | 2.27% | 2.24% | -96.10% | -9,472 bps | |
| Net Interest Margin | 1.81% | 2.41% | 2.46% | 2.66% | -5.05% | -686 bps | |
| Efficiency Ratio | 110.80% | 80.77% | 85.71% | 86.52% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 5.66% | 3.63% | 5.05% | -7.13% | -8.11% | -1,376 bps | |
| Loan Growth (YoY) | -27.63% | -27.39% | -13.78% | -15.87% | -7.80% | +1,983 bps | |
| Share Growth (YoY) | 7.53% | 4.75% | 6.38% | -8.55% | -0.90% | -843 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 10.05% | 4.46% | 4.13% | 0.70% | 5.88% | -416 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.73% | 2.35% | 2.76% | 0.35% | 3.28% | +55 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.98% | 15.76% | 15.83% | 16.25% | 8.32% | -667 bps | |
| Net Worth / Assets | 14.98% | 15.76% | 15.83% | 16.25% | 8.32% | -667 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 20.73% | 20.51% | 21.89% | 20.05% | 19.28% | -144 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |