Dover, NJ · Charter 19968
Q2 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2008, the quarter ended June 30, 2008, 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.
Dover, NJ · Charter 19968
Q2 2008
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 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.78% | -0.99% | -1.36% | -2.51% | -3.46% | -268 bps | |
| Return on Equity | -10.27% | -12.40% | -17.21% | -35.00% | -55.24% | -4,497 bps | |
| Net Interest Margin | 5.66% | 6.02% | 6.31% | 5.31% | 5.33% | -32 bps | |
| Efficiency Ratio | 106.67% | 109.52% | 112.50% | 136.29% | 130.00% | +2,333 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -18.96% | -24.19% | -24.31% | -20.15% | -14.84% | +412 bps | |
| Loan Growth (YoY) | -8.73% | -13.93% | -15.58% | -18.63% | -17.62% | -889 bps | |
| Share Growth (YoY) | -20.78% | -23.06% | -25.35% | -18.65% | -11.24% | +954 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.22% | 0.26% | 0.43% | 0.63% | 0.50% | +28 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.53% | 1.34% | 1.43% | 1.15% | 1.74% | +22 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.59% | 7.96% | 7.92% | 7.17% | 6.26% | -132 bps | |
| Net Worth / Assets | 7.59% | 7.96% | 7.92% | 7.17% | 6.26% | -132 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 84.74% | 88.11% | 89.83% | 81.51% | 78.64% | -610 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |