Wayne, NJ · Charter 22058
Q4 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2000, the quarter ended December 31, 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.
Wayne, NJ · Charter 22058
Q4 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 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.36% | 2.88% | 0.55% | 0.93% | 0.01% | -335 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 0.15% | n/a | n/a |
| Net Interest Margin | n/a | n/a | 4.50% | 4.17% | 4.35% | n/a | |
| Efficiency Ratio | n/a | n/a | 81.88% | 77.89% | 107.66% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -0.33% | 5.08% | 7.53% | 6.31% | 12.76% | +1,309 bps | |
| Loan Growth (YoY) | 6.77% | 2.71% | -0.17% | 6.42% | 24.56% | +1,779 bps | |
| Share Growth (YoY) | -1.16% | 4.37% | 6.76% | 5.40% | 11.27% | +1,244 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.39% | 0.17% | 0.17% | 0.18% | 0.65% | +26 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.09% | 1.99% | 2.15% | 2.30% | 1.28% | -81 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 8.07% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 8.07% | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 84.65% | 81.42% | 89.01% | 84.35% | 94.76% | +1,011 bps | |
| Liquid Assets / Assets | 17.00% | 23.32% | 12.63% | 2.87% | 14.92% | -208 bps | |