Orange, NJ · Charter 16146
Q4 1999
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 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.28% | 3.97% | 3.46% | 2.06% | -0.84% | -411 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 | 8.27% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 110.01% | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -12.48% | -17.07% | -18.69% | -18.17% | -10.27% | +221 bps | |
| Loan Growth (YoY) | -27.67% | -36.11% | -26.08% | -21.88% | -14.50% | +1,318 bps | |
| Share Growth (YoY) | -14.27% | -18.96% | -20.90% | -19.66% | -10.15% | +412 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 16.25% | 14.18% | 10.89% | 1.92% | 6.87% | -938 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 7.99% | 11.60% | 11.25% | 3.21% | 4.34% | -365 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 | 74.69% | 76.33% | 79.75% | 70.94% | 71.07% | -361 bps | |
| Liquid Assets / Assets | 24.39% | 28.74% | 26.96% | 27.89% | 27.89% | +350 bps | |