Salem, NJ · Charter 16524
Q4 1998
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1998, the quarter ended December 31, 1998, 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.
Salem, NJ · Charter 16524
Q4 1998
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 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.37% | 3.29% | 4.92% | 4.05% | 3.35% | +372 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 | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -23.80% | -23.91% | -18.99% | -14.20% | 3.03% | +2,683 bps | |
| Loan Growth (YoY) | -32.84% | -27.45% | -23.35% | -25.73% | -16.27% | +1,657 bps | |
| Share Growth (YoY) | -29.21% | -29.17% | -24.41% | -20.29% | -0.15% | +2,906 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.43% | 2.03% | 4.36% | 4.31% | 4.13% | +270 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 10.76% | 10.81% | 10.50% | 11.17% | 9.52% | -124 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 | 44.01% | 41.85% | 45.51% | 35.11% | 36.91% | -711 bps | |
| Liquid Assets / Assets | 65.48% | 65.65% | 67.32% | 63.58% | 67.26% | +179 bps | |