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Newark Pre-School Council, Inc.

Newark, NJ · Charter 17784

Q2 2008

$431KAssets
$80KLoans
$362KShares
$67KNet 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 -1.14%, down 31 bps year over year; NIM at 4.58%.
  • Asset quality: problem loans at 0.40% of loans (+13 bps YoY).
  • Capital: net worth / assets of 15.46%, down 3 bps from a year ago.
  • Funding: loans stand at 22.16% of shares as of Q2 2008.

Financial Results

Return on Assets (YTD, annualized)

-1.14%-31 bps YoY

Net Interest Margin (YTD, annualized)

4.58%-58 bps YoY

Efficiency Ratio (YTD, annualized)

122.68%+788 bps YoY

Net Worth / Assets

15.46%-3 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2007Q3 2007Q4 2007Q1 2008Q2 2008YoY ΔTrend
Earnings
Return on Assets-0.82%-0.89%-0.11%-0.86%-1.14%-31 bps
Return on Equity-5.33%-4.39%-0.73%-6.73%-7.36%-203 bps
Net Interest Margin5.16%6.51%4.98%4.50%4.58%-58 bps
Efficiency Ratio114.80%110.73%100.87%118.38%122.68%+788 bps
Growth
Asset Growth (YoY)1.41%-31.20%3.44%10.94%-1.53%-294 bps
Loan Growth (YoY)-19.48%-28.87%-5.82%-11.71%-33.43%-1,395 bps
Share Growth (YoY)1.93%-36.18%4.18%13.07%-1.48%-341 bps
Asset Quality
Delinquent Loans / Loans0.26%0.00%0.00%0.00%0.40%+13 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital15.49%20.21%15.59%12.76%15.46%-3 bps
Net Worth / Assets15.49%20.21%15.59%12.76%15.46%-3 bps
Liquidity & Funding
Loans / Shares32.81%39.72%49.50%28.49%22.16%-1,064 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps