PackageTrendsPeer
Letter portraitLegal landscape

Morris County Employees

Morristown, NJ · Charter 20912

Q2 2000

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2000, the quarter ended June 30, 2000, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Morris County Employees

Morristown, NJ · Charter 20912

Q2 2000

$5.8MAssets
$1.4MLoans
$4.8MShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 1.88%, down 172 bps year over year; NIM at 3.89%.
  • Asset quality: problem loans at 3.63% of loans (-101 bps YoY).
  • Funding: loans stand at 28.32% of shares as of Q2 2000.

Return on Assets (YTD, annualized)

1.88%-172 bps YoY

Net Interest Margin (YTD, annualized)

3.89%

Efficiency Ratio (YTD, annualized)

52.45%

Net Worth / Assets

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ4 1996Q2 1997Q4 1997Q2 1998Q4 1998Q2 1999Q4 1999Q2 2000YoY ΔTrend
Earnings
Return on Assets4.46%4.40%4.36%3.59%3.70%2.33%0.58%1.88%-172 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/a3.41%3.89%n/a
Efficiency Ration/an/an/an/an/an/a69.68%52.45%n/a
Growth
Asset Growth (YoY)7.74%7.70%8.48%9.11%7.70%12.09%8.71%11.00%+189 bps
Loan Growth (YoY)37.52%11.10%-4.93%-20.37%-32.62%-34.20%-37.42%-32.67%-1,230 bps
Share Growth (YoY)4.61%5.29%5.76%6.70%5.24%11.78%9.08%11.30%+459 bps
Asset Quality
Delinquent Loans / Loans1.43%2.18%5.56%4.64%7.49%3.76%5.03%3.63%-101 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.29%1.51%1.86%2.11%2.18%2.88%3.31%2.19%+9 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares69.24%56.76%57.16%46.80%44.34%33.41%32.79%28.32%-1,849 bps
Liquid Assets / Assets22.86%27.23%41.58%35.79%51.37%58.69%68.62%57.95%+2,216 bps