PackageTrendsPeer
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Bergen

Paramus, NJ · Charter 16617

NCUA · 1 branch

Q3 2016

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2016, the quarter ended September 30, 2016, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bergen

Paramus, NJ · Charter 16617

NCUA · 1 branch

Q3 2016

$2.5MAssets
$379KLoans
$2.2MShares
$293KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -3.18%, down 300 bps year over year; NIM at 1.76%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 11.78%, down 489 bps from a year ago.
  • Funding: loans stand at 17.28% of shares as of Q3 2016.

Financial Results

Return on Assets (YTD, annualized)

-3.18%-300 bps YoY

Net Interest Margin (YTD, annualized)

1.76%-26 bps YoY

Efficiency Ratio (YTD, annualized)

151.56%+4,999 bps YoY

Net Worth / Assets

11.78%-489 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2015Q4 2015Q1 2016Q2 2016Q3 2016YoY ΔTrend
Earnings
Return on Assets-0.19%-0.24%-0.30%-1.29%-3.18%-300 bps
Return on Equity-1.11%-1.39%-1.66%-7.70%-27.04%-2,593 bps
Net Interest Margin2.03%2.06%2.33%1.82%1.76%-26 bps
Efficiency Ratio101.57%111.21%112.52%136.07%151.56%+4,999 bps
Growth
Asset Growth (YoY)2.78%3.68%-4.53%-4.19%-9.67%-1,245 bps
Loan Growth (YoY)2.74%4.84%-6.49%-7.12%-28.32%-3,106 bps
Share Growth (YoY)3.96%4.93%-5.11%-4.00%-4.37%-833 bps
Asset Quality
Delinquent Loans / Loans0.00%0.44%0.92%4.07%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.59%0.61%0.67%1.12%5.40%+481 bps
Capital
Risk-Based Capital16.66%17.39%17.94%16.76%11.78%-489 bps
Net Worth / Assets16.66%17.39%17.94%16.76%11.78%-489 bps
Liquidity & Funding
Loans / Shares23.05%24.11%22.61%21.19%17.28%-577 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps