Burlington, NJ · Charter 21472
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.
Burlington, NJ · Charter 21472
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 | 3.14% | 2.50% | 2.44% | 3.14% | 3.71% | +58 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) | -5.81% | -0.82% | -6.83% | -9.52% | -7.99% | -218 bps | |
| Loan Growth (YoY) | 3.27% | -10.43% | -6.28% | 35.12% | 25.58% | +2,231 bps | |
| Share Growth (YoY) | -10.16% | -3.37% | -10.64% | -14.14% | -12.67% | -251 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.91% | 0.89% | 0.00% | 0.00% | 0.00% | -91 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 9.16% | 9.46% | 9.24% | 7.98% | 7.29% | -187 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 | 38.88% | 35.97% | 41.90% | 43.86% | 55.91% | +1,703 bps | |
| Liquid Assets / Assets | 65.42% | 61.97% | 64.95% | 56.31% | 47.64% | -1,778 bps | |