Scotch Plains, NJ · Charter 2192
NCUA
Q1 2016
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 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.09% | -0.15% | -0.15% | -0.48% | -0.49% | -0.46% | -0.57% | -1.35% | -86 bps | |
| Return on Equity | -0.60% | -1.04% | -1.02% | -3.36% | -3.44% | -3.22% | -4.15% | -10.14% | -679 bps | |
| Net Interest Margin | 2.53% | 2.54% | 2.54% | 2.42% | 2.35% | 2.34% | 2.25% | 2.21% | -21 bps | |
| Efficiency Ratio | 102.04% | 102.68% | 103.57% | 118.33% | 116.35% | 116.50% | 119.01% | 145.31% | +2,698 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.52% | -5.07% | -5.32% | -5.29% | -2.80% | -1.76% | 1.87% | 2.15% | +744 bps | |
| Loan Growth (YoY) | 13.33% | 11.61% | -2.77% | -4.49% | -6.17% | -11.00% | -9.49% | -11.58% | -708 bps | |
| Share Growth (YoY) | -4.38% | -5.69% | -5.96% | -5.77% | -2.74% | -1.58% | 2.90% | 3.48% | +925 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.26% | 2.49% | 2.91% | 2.41% | 2.61% | 1.10% | 0.81% | 0.86% | -156 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 | 0.66% | 0.66% | 0.67% | 0.51% | 0.44% | 0.42% | 0.47% | 0.54% | +4 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.21% | 14.37% | 14.48% | 14.36% | 14.27% | 14.24% | 13.65% | 13.27% | -108 bps | |
| Net Worth / Assets | 14.21% | 14.37% | 14.48% | 14.36% | 14.27% | 14.24% | 13.65% | 13.27% | -108 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 44.97% | 45.67% | 45.79% | 45.58% | 43.38% | 41.30% | 40.27% | 38.95% | -663 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |