Trenton, NJ · Charter 16200
Q4 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2000, the quarter ended December 31, 2000, 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.
Trenton, NJ · Charter 16200
Q4 2000
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 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.71% | 4.21% | 4.61% | 0.99% | 2.30% | -141 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 10.73% | n/a | n/a |
| Net Interest Margin | n/a | n/a | 7.48% | 3.58% | 5.05% | n/a | |
| Efficiency Ratio | n/a | n/a | 25.63% | 49.13% | 45.27% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 13.42% | 15.25% | 17.52% | 15.49% | -9.01% | -2,243 bps | |
| Loan Growth (YoY) | -4.55% | -16.82% | -13.71% | -15.37% | -15.49% | -1,094 bps | |
| Share Growth (YoY) | 14.89% | 16.31% | 19.50% | 15.62% | -15.37% | -3,027 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.30% | 5.06% | 3.09% | 2.65% | 1.28% | -202 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.32% | 2.57% | 2.87% | 2.30% | 2.47% | -85 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 21.47% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 21.47% | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 70.88% | 60.19% | 64.46% | 53.21% | 70.78% | -10 bps | |
| Liquid Assets / Assets | 14.36% | 27.28% | 27.07% | 14.07% | 47.30% | +3,294 bps | |