Jersey City, NJ · Charter 21702
NCUA · 1 branch
Q4 2017
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 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.86% | -0.64% | -0.88% | -1.28% | -0.36% | -1.81% | -1.66% | -1.63% | -36 bps | |
| Return on Equity | -6.29% | -4.65% | -6.29% | -9.65% | -2.76% | -14.54% | -12.91% | -13.02% | -337 bps | |
| Net Interest Margin | 3.31% | 3.46% | 3.53% | 3.44% | 3.99% | 3.71% | 3.77% | 3.74% | +30 bps | |
| Efficiency Ratio | 123.95% | 116.38% | 119.46% | 115.59% | 102.14% | 116.16% | 120.30% | 124.82% | +922 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.63% | -0.20% | -3.20% | -5.71% | -3.51% | -4.58% | -4.87% | -6.67% | -96 bps | |
| Loan Growth (YoY) | -4.08% | -6.66% | 3.89% | -3.90% | -7.12% | -6.13% | -10.77% | -8.06% | -417 bps | |
| Share Growth (YoY) | -2.53% | 0.83% | -2.57% | -5.20% | -2.75% | -3.33% | -3.36% | -5.87% | -67 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.01% | 3.47% | 4.58% | 4.18% | 5.21% | 4.18% | 3.75% | 4.75% | +57 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.80% | 2.64% | 2.70% | 2.99% | 4.23% | 3.88% | 4.20% | 3.29% | +31 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.71% | 13.69% | 14.02% | 13.22% | 13.08% | 12.48% | 12.83% | 12.53% | -69 bps | |
| Net Worth / Assets | 13.71% | 13.69% | 14.02% | 13.22% | 13.08% | 12.48% | 12.83% | 12.53% | -69 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 37.31% | 34.41% | 36.53% | 39.10% | 35.63% | 33.41% | 33.73% | 38.19% | -91 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |