Englewood, NJ · Charter 20338
Q4 1998
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1998, the quarter ended December 31, 1998, 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.
Englewood, NJ · Charter 20338
Q4 1998
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 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 5.56% | 3.46% | 4.41% | 3.57% | 4.78% | -78 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | 8.43% | 3.42% | -5.92% | 1.66% | 5.68% | -276 bps | |
| Loan Growth (YoY) | 14.98% | -3.99% | 19.04% | 9.74% | 13.58% | -140 bps | |
| Share Growth (YoY) | 0.56% | 0.88% | -10.52% | -1.00% | 6.20% | +564 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.61% | 1.94% | 0.40% | 1.94% | 0.57% | -205 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.39% | 1.45% | 0.04% | 0.04% | 1.21% | -18 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 34.33% | 24.20% | 41.73% | 31.58% | 36.71% | +239 bps | |
| Liquid Assets / Assets | 62.74% | 50.26% | 67.38% | 35.54% | 57.46% | -529 bps | |