Avenel, NJ · Charter 17251
Q4 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2015, the quarter ended December 31, 2015, 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.
Avenel, NJ · Charter 17251
Q4 2015
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 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.98% | -0.46% | -1.03% | -1.37% | -2.98% | 0 bps | |
| Return on Equity | -25.53% | -4.08% | -8.55% | -11.54% | -27.86% | -233 bps | |
| Net Interest Margin | 4.50% | 4.20% | 4.60% | 4.67% | 4.19% | -31 bps | |
| Efficiency Ratio | 140.05% | 106.74% | 115.39% | 120.80% | 149.05% | +900 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -14.15% | -9.30% | -11.12% | -11.90% | -14.68% | -53 bps | |
| Loan Growth (YoY) | -5.30% | -0.30% | 0.49% | -6.03% | -8.40% | -310 bps | |
| Share Growth (YoY) | -13.25% | -8.53% | -11.28% | -12.05% | -14.34% | -109 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.61% | 1.43% | 1.57% | 2.06% | 1.50% | -10 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.41% | 1.44% | 1.42% | 1.09% | 1.12% | -30 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.68% | 11.28% | 12.08% | 11.89% | 10.70% | -97 bps | |
| Net Worth / Assets | 11.68% | 11.28% | 12.08% | 11.89% | 10.70% | -97 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 70.58% | 67.69% | 77.13% | 72.97% | 75.48% | +490 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |