Jersey City, NJ · Charter 15154
NCUA · 1 branch
Q3 2019
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.61% | 0.79% | -0.40% | -0.53% | -0.81% | -2.10% | -2.63% | -2.47% | -194 bps | |
| Return on Equity | -2.83% | 3.68% | -1.86% | -2.46% | -3.77% | -10.07% | -13.10% | -12.66% | -1,020 bps | |
| Net Interest Margin | 1.04% | 1.09% | 1.13% | 1.15% | 1.11% | 0.90% | 0.77% | 0.68% | -47 bps | |
| Efficiency Ratio | 119.75% | 74.25% | 118.20% | 126.83% | 146.38% | 334% | 429% | 446% | +31,897 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.00% | -5.83% | -7.30% | -6.36% | -2.86% | -3.68% | -1.81% | -1.07% | +529 bps | |
| Loan Growth (YoY) | 31.00% | -11.55% | -22.78% | -48.89% | -59.53% | -70.41% | -88.02% | -88.28% | -3,939 bps | |
| Share Growth (YoY) | -6.46% | -5.96% | -7.87% | -7.38% | -2.67% | -2.83% | 0.09% | 1.52% | +890 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.85% | 5.17% | 4.79% | 6.37% | 9.51% | 17.46% | 39.97% | 54.34% | +4,797 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 21.60% | 21.54% | 21.58% | 21.59% | 21.43% | 20.83% | 20.06% | 19.55% | -204 bps | |
| Net Worth / Assets | 21.60% | 21.54% | 21.58% | 21.59% | 21.43% | 20.83% | 20.06% | 19.55% | -204 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 13.31% | 9.79% | 10.78% | 8.19% | 5.53% | 2.98% | 1.29% | 0.95% | -724 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |