Hackensack, NJ · Charter 19724
Q4 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2000, the quarter ended December 31, 2000, 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.
Hackensack, NJ · Charter 19724
Q4 2000
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 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.14% | 1.61% | -1.18% | 0.24% | -0.79% | -292 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | -3.09% | n/a | n/a |
| Net Interest Margin | n/a | n/a | 4.46% | 4.76% | 5.27% | n/a | |
| Efficiency Ratio | n/a | n/a | 94.68% | 95.20% | 113.91% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -3.96% | -1.55% | 4.48% | -10.07% | -16.57% | -1,261 bps | |
| Loan Growth (YoY) | -13.09% | -2.59% | -1.39% | -2.22% | -6.61% | +648 bps | |
| Share Growth (YoY) | -5.76% | -1.78% | 7.66% | -11.50% | -19.14% | -1,338 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.79% | 5.26% | 7.60% | 3.52% | 5.64% | -115 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.41% | 2.73% | 5.75% | 3.14% | 2.54% | -87 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 25.49% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 25.49% | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 45.82% | 45.91% | 43.91% | 47.05% | 52.92% | +710 bps | |
| Liquid Assets / Assets | 29.70% | 38.60% | 25.42% | 23.92% | 57.98% | +2,828 bps | |