Piscataway, NJ · Charter 15140
NCUA · 1 branch
Q2 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 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.58% | 0.92% | 1.19% | 0.58% | 0.05% | -53 bps | |
| Return on Equity | 4.15% | 6.18% | 7.76% | 3.75% | 0.33% | -382 bps | |
| Net Interest Margin | 1.21% | 0.90% | 2.62% | 2.21% | 2.19% | +98 bps | |
| Efficiency Ratio | 68.73% | 49.57% | 67.76% | 76.02% | 94.25% | +2,552 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.02% | 1.02% | 1.29% | 0.63% | -0.82% | -484 bps | |
| Loan Growth (YoY) | -17.02% | -5.70% | -9.73% | -7.13% | 5.52% | +2,254 bps | |
| Share Growth (YoY) | 4.35% | 0.09% | 0.07% | -0.80% | -1.95% | -630 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.25% | 0.27% | +27 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.72% | 1.60% | 1.57% | 1.87% | 1.66% | -6 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.06% | 14.93% | 15.38% | 15.36% | 15.03% | +97 bps | |
| Net Worth / Assets | 14.06% | 14.93% | 15.38% | 15.36% | 15.03% | +97 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 34.93% | 38.30% | 36.84% | 34.04% | 37.59% | +266 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |