Clinton, NJ · Charter 21903
Q4 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2012, the quarter ended December 31, 2012, 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.
Clinton, NJ · Charter 21903
Q4 2012
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 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.49% | -2.00% | -2.22% | -2.30% | -2.43% | +106 bps | |
| Return on Equity | -13.65% | -7.68% | -8.84% | -9.43% | -10.03% | +362 bps | |
| Net Interest Margin | 2.14% | 1.99% | 1.82% | 1.79% | 1.74% | -40 bps | |
| Efficiency Ratio | 235% | 206% | 230% | 236% | 245% | +986 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.32% | 7.35% | 2.58% | -0.87% | -4.11% | -1,143 bps | |
| Loan Growth (YoY) | -4.19% | -8.43% | -16.43% | -20.70% | -15.35% | -1,117 bps | |
| Share Growth (YoY) | 17.42% | 15.21% | 8.36% | 2.89% | -1.69% | -1,911 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.53% | 1.40% | 1.44% | 1.52% | 1.53% | -100 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.39% | 2.41% | 2.39% | 2.46% | 2.47% | +8 bps | |
| Capital | |||||||
| Risk-Based Capital | 25.54% | 25.97% | 25.18% | 24.37% | 24.21% | -133 bps | |
| Net Worth / Assets | 25.54% | 25.97% | 25.18% | 24.37% | 24.21% | -133 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 57.62% | 57.50% | 53.66% | 48.89% | 49.62% | -801 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |