Cherry Hill, NJ · Charter 21684
Q2 2000
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Cherry Hill, NJ · Charter 21684
Q2 2000
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 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.65% | 6.30% | 2.89% | 0.70% | 0.80% | -385 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 | 4.10% | 4.58% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | 83.30% | 82.68% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 9.99% | -17.15% | -16.74% | -26.77% | -38.41% | -4,840 bps | |
| Loan Growth (YoY) | -17.99% | -38.73% | -52.91% | -51.21% | -65.67% | -4,767 bps | |
| Share Growth (YoY) | 6.84% | -23.52% | -22.08% | -32.83% | -45.14% | -5,198 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.38% | 0.66% | 8.70% | 10.77% | 20.34% | +1,996 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.52% | 1.72% | 1.66% | 1.83% | 3.10% | +158 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 | 68.10% | 77.37% | 49.42% | 55.43% | 42.61% | -2,548 bps | |
| Liquid Assets / Assets | 36.65% | 26.30% | 51.85% | 48.74% | 54.39% | +1,774 bps | |