Phillipsburg, NJ · Charter 19748
Q2 2007
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 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.06% | -0.31% | -0.04% | 0.33% | -41.65% | -4,060 bps | |
| Return on Equity | -3.06% | -0.86% | -0.09% | 0.79% | -193.76% | -19,070 bps | |
| Net Interest Margin | 2.23% | 2.82% | 3.51% | 4.13% | -37.91% | -4,015 bps | |
| Efficiency Ratio | 192.48% | 114.69% | 101.21% | 90.81% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -14.87% | -12.03% | -19.49% | -17.58% | -17.03% | -217 bps | |
| Loan Growth (YoY) | 65.40% | 77.33% | 69.32% | 48.38% | -4.36% | -6,976 bps | |
| Share Growth (YoY) | -21.27% | -17.55% | -28.97% | -26.47% | 0.18% | +2,145 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.95% | 2.60% | 2.30% | 2.26% | 1.98% | -97 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.33% | 0.24% | 0.25% | 0.26% | 0.26% | -7 bps | |
| Capital | |||||||
| Risk-Based Capital | 34.53% | 36.05% | 40.80% | 41.23% | 21.50% | -1,303 bps | |
| Net Worth / Assets | 34.53% | 36.05% | 40.80% | 41.23% | 21.50% | -1,303 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 73.77% | 81.19% | 94.40% | 93.03% | 70.43% | -334 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |