Point Pleasant, NJ · Charter 15082
Q3 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2003, the quarter ended September 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.
Point Pleasant, NJ · Charter 15082
Q3 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 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.19% | -0.24% | -2.55% | 1.00% | -0.29% | -10 bps | |
| Return on Equity | -2.63% | -3.17% | -41.37% | 11.37% | -3.60% | -97 bps | |
| Net Interest Margin | 5.42% | 5.80% | 3.84% | 7.76% | 6.37% | +96 bps | |
| Efficiency Ratio | 103.50% | 104.15% | 166.32% | 87.06% | 104.50% | +100 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -12.61% | -14.68% | -11.42% | -14.97% | -13.35% | -74 bps | |
| Loan Growth (YoY) | -22.40% | -12.89% | -1.22% | -12.07% | -7.54% | +1,485 bps | |
| Share Growth (YoY) | -10.49% | -13.36% | -9.34% | -15.13% | -13.73% | -324 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.91% | 5.61% | 5.83% | 5.73% | 5.50% | -41 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.83% | 4.87% | 5.24% | 5.77% | 5.39% | +57 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.20% | 7.59% | 6.15% | 8.83% | 7.95% | +76 bps | |
| Net Worth / Assets | 7.20% | 7.59% | 6.15% | 8.83% | 7.95% | +76 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 33.95% | 36.37% | 33.31% | 34.91% | 36.38% | +243 bps | |
| Liquid Assets / Assets | 67.39% | 29.36% | 68.30% | 67.13% | 65.30% | -209 bps | |