Murray Hill, NJ · Charter 22267
NCUA · 3 branches
Q1 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2019, the quarter ended March 31, 2019, 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.
Murray Hill, NJ · Charter 22267
NCUA · 3 branches
Q1 2019
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 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.17% | -1.27% | -1.70% | -1.92% | -0.96% | -0.35% | -0.43% | -3.33% | -142 bps | |
| Return on Equity | 1.75% | -14.09% | -22.27% | -26.09% | -12.06% | -4.00% | -4.38% | -28.71% | -262 bps | |
| Net Interest Margin | 2.55% | 2.64% | 2.54% | 2.64% | 2.78% | 3.12% | 3.46% | 2.98% | +34 bps | |
| Efficiency Ratio | 94.42% | 107.69% | 131.95% | 90.23% | 92.82% | 86.85% | 87.77% | 146.77% | +5,654 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.14% | -6.26% | 3.79% | 2.47% | -5.32% | -10.58% | -25.56% | -39.75% | -4,221 bps | |
| Loan Growth (YoY) | -8.52% | -5.39% | -13.11% | 0.52% | -4.95% | -8.54% | -4.91% | -18.16% | -1,868 bps | |
| Share Growth (YoY) | -0.54% | -5.88% | 6.35% | 5.39% | -3.31% | -10.52% | -27.30% | -42.47% | -4,786 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.30% | 8.42% | 0.76% | 0.16% | 0.29% | 0.79% | 0.55% | 0.32% | +16 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 | 2.54% | 4.83% | 5.09% | 3.32% | 3.50% | 3.55% | 3.85% | 4.66% | +134 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.82% | 8.98% | 7.65% | 7.34% | 7.93% | 8.82% | 9.85% | 11.60% | +426 bps | |
| Net Worth / Assets | 9.82% | 8.98% | 7.65% | 7.34% | 7.93% | 8.82% | 9.85% | 11.60% | +426 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 37.79% | 38.26% | 33.22% | 36.65% | 37.15% | 39.11% | 43.45% | 52.13% | +1,548 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |