Rochelle Park, NJ · Charter 1835
Q1 2006
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 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.45% | -0.97% | -1.44% | -7.69% | -61.85% | -6,141 bps | |
| Return on Equity | -1.27% | -2.78% | -4.14% | -24.30% | -351% | -35,023 bps | |
| Net Interest Margin | 3.03% | 2.55% | 2.40% | 0.96% | -51.31% | -5,434 bps | |
| Efficiency Ratio | 114.72% | 134.93% | 160.12% | 899% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -8.74% | -7.09% | -5.06% | -8.14% | -9.87% | -112 bps | |
| Loan Growth (YoY) | -6.41% | -13.48% | -36.44% | -43.98% | -97.91% | -9,150 bps | |
| Share Growth (YoY) | -12.35% | -9.36% | -5.85% | -5.89% | 14.93% | +2,728 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.59% | 0.74% | 0.88% | 1.02% | 28.37% | +2,777 bps | |
| Capital | |||||||
| Risk-Based Capital | 35.26% | 34.81% | 34.83% | 31.66% | 17.60% | -1,767 bps | |
| Net Worth / Assets | 35.26% | 34.81% | 34.83% | 31.66% | 17.60% | -1,767 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 21.64% | 17.19% | 14.67% | 12.84% | 0.39% | -2,125 bps | |
| Liquid Assets / Assets | 40.85% | 44.83% | 58.76% | 87.61% | 91.78% | +5,093 bps | |