Neptune, NJ · Charter 1872
Q2 2004
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.26% | 0.26% | 0.20% | 0.78% | 0.48% | +22 bps | |
| Return on Equity | 2.88% | 2.90% | 2.19% | 9.01% | 5.36% | +248 bps | |
| Net Interest Margin | 0.89% | 0.88% | 1.03% | 1.56% | 1.34% | +45 bps | |
| Efficiency Ratio | 72.19% | 71.95% | 80.89% | 51.45% | 65.27% | -692 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 26.04% | 11.71% | -1.50% | 6.51% | 2.80% | -2,324 bps | |
| Loan Growth (YoY) | 11.83% | -9.54% | -26.28% | -14.65% | -27.47% | -3,929 bps | |
| Share Growth (YoY) | 27.89% | 11.93% | -1.71% | 7.04% | 3.72% | -2,417 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.09% | 0.42% | 1.10% | 1.40% | 0.27% | +18 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.06% | 1.10% | 1.33% | 1.30% | 0.69% | -36 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.94% | 8.83% | 9.28% | 8.67% | 8.98% | +4 bps | |
| Net Worth / Assets | 8.94% | 8.83% | 9.28% | 8.67% | 8.98% | +4 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 57.53% | 54.27% | 48.84% | 46.57% | 40.23% | -1,730 bps | |
| Liquid Assets / Assets | 46.95% | 49.89% | 55.04% | 56.49% | 61.81% | +1,486 bps | |