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Bay Ridge Lodge No 632

Marlboro, NJ · Charter 16467

NCUA · 1 branch

Q3 2020

$92KAssets
$35KLoans
$44KShares
$48KNet Worth

Executive Summary

  • Earnings: ROA of 2.97%, up 218 bps year over year; NIM at 2.97%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 52.40%, down 82 bps from a year ago.
  • Funding: loans stand at 81.28% of shares as of Q3 2020.

Return on Assets (quarter, annualized)

2.97%+218 bps YoY

Net Interest Margin (quarter, annualized)

2.97%+65 bps YoY

Efficiency Ratio (quarter, annualized)

0.00%-6,611 bps YoY

Net Worth / Assets

52.40%-82 bps YoY

Discrete quarter, annualized.

MetricQ4 2018Q1 2019Q2 2019Q3 2019Q4 2019Q1 2020Q2 2020Q3 2020YoY ΔTrend
Earnings
Return on Assets0.52%-0.11%0.31%0.79%0.36%2.31%0.00%2.97%+218 bps
Return on Equity0.98%-0.20%0.57%1.48%0.69%4.37%0.00%5.67%+419 bps
Net Interest Margin2.40%2.12%2.22%2.32%2.40%2.31%0.00%2.97%+65 bps
Efficiency Ratio78.33%105.03%86.20%66.11%84.95%0.00%n/a0.00%-6,611 bps
Growth
Asset Growth (YoY)1.92%1.80%0.80%0.33%0.78%1.08%1.42%2.26%+193 bps
Loan Growth (YoY)-9.59%-21.06%-11.55%18.83%10.07%12.96%57.83%17.80%-103 bps
Share Growth (YoY)3.08%2.81%0.66%0.90%1.65%1.53%2.26%4.05%+316 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans3.89%4.28%4.17%3.32%3.54%3.79%2.64%2.82%-50 bps
Capital
Risk-Based Capital53.13%53.07%53.28%53.22%52.72%52.86%52.89%52.40%-82 bps
Net Worth / Assets53.13%53.07%53.28%53.22%52.72%52.86%52.89%52.40%-82 bps
Liquidity & Funding
Loans / Shares61.06%55.37%57.38%71.79%66.12%61.60%88.56%81.28%+949 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps