Paramus, NJ · Charter 16617
NCUA · 1 branch
Q3 2016
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 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.19% | -0.38% | -0.15% | -0.19% | -0.24% | -0.30% | -1.29% | -3.18% | -300 bps | |
| Return on Equity | -6.47% | -2.17% | -0.90% | -1.11% | -1.39% | -1.66% | -7.70% | -27.04% | -2,593 bps | |
| Net Interest Margin | 1.80% | 1.89% | 2.07% | 2.03% | 2.06% | 2.33% | 1.82% | 1.76% | -26 bps | |
| Efficiency Ratio | 158.40% | 118.87% | 106.99% | 101.57% | 111.21% | 112.52% | 136.07% | 151.56% | +4,999 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.44% | 1.72% | 3.59% | 2.78% | 3.68% | -4.53% | -4.19% | -9.67% | -1,245 bps | |
| Loan Growth (YoY) | 0.96% | -3.82% | -8.72% | 2.74% | 4.84% | -6.49% | -7.12% | -28.32% | -3,106 bps | |
| Share Growth (YoY) | 3.21% | 3.33% | 5.45% | 3.96% | 4.93% | -5.11% | -4.00% | -4.37% | -833 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.60% | 0.34% | 0.19% | 0.00% | 0.44% | 0.92% | 4.07% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.64% | 0.63% | 0.64% | 0.59% | 0.61% | 0.67% | 1.12% | 5.40% | +481 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.37% | 17.44% | 16.93% | 16.66% | 17.39% | 17.94% | 16.76% | 11.78% | -489 bps | |
| Net Worth / Assets | 18.37% | 17.44% | 16.93% | 16.66% | 17.39% | 17.94% | 16.76% | 11.78% | -489 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 24.13% | 22.94% | 21.90% | 23.05% | 24.11% | 22.61% | 21.19% | 17.28% | -577 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |