Woodbury, NJ · Charter 15027
Q4 1998
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 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 5.34% | 3.74% | 4.11% | 3.54% | 3.64% | -171 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -14.73% | -6.57% | -17.92% | -23.15% | -3.43% | +1,130 bps | |
| Loan Growth (YoY) | -14.58% | -33.31% | -30.54% | -32.18% | -24.80% | -1,021 bps | |
| Share Growth (YoY) | -17.40% | -8.49% | -20.32% | -25.96% | -4.32% | +1,308 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.17% | 2.09% | 1.88% | 3.91% | 1.31% | -86 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.75% | 1.22% | 2.27% | 3.34% | 3.87% | +112 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 67.58% | 61.40% | 57.25% | 53.33% | 53.12% | -1,446 bps | |
| Liquid Assets / Assets | 38.29% | 41.13% | 46.89% | 47.15% | 48.79% | +1,050 bps | |