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F. C.

Cherry Hill, NJ · Charter 22510

NCUA · 1 branch

Q3 2018

$803KAssets
$5KLoans
$510KShares
$293KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 5.69%, up 770 bps year over year; NIM at 0.34%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 36.53%, up 758 bps from a year ago.
  • Funding: loans stand at 0.91% of shares as of Q3 2018.

Financial Results

Return on Assets (quarter, annualized)

5.69%+770 bps YoY

Net Interest Margin (quarter, annualized)

0.34%-29 bps YoY

Efficiency Ratio (quarter, annualized)

601%+22,162 bps YoY

Net Worth / Assets

36.53%+758 bps YoY

Discrete quarter, annualized.

MetricQ3 2017Q4 2017Q1 2018Q2 2018Q3 2018YoY ΔTrend
Earnings
Return on Assets-2.01%-2.15%-2.76%-2.86%5.69%+770 bps
Return on Equity-6.93%-7.35%-8.85%-8.74%15.59%+2,252 bps
Net Interest Margin0.63%0.54%0.19%0.25%0.34%-29 bps
Efficiency Ratio380%440%1057%896%601%+22,162 bps
Growth
Asset Growth (YoY)0.02%-1.25%-8.61%-16.74%-12.06%-1,207 bps
Loan Growth (YoY)-85.63%-94.21%-93.89%-89.35%-83.41%+222 bps
Share Growth (YoY)2.83%1.28%-9.08%-20.42%-21.44%-2,427 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans178.68%478%585%757%0.00%-17,868 bps
Capital
Risk-Based Capital28.95%29.27%31.19%32.70%36.53%+758 bps
Net Worth / Assets28.95%29.27%31.19%32.70%36.53%+758 bps
Liquidity & Funding
Loans / Shares4.31%1.67%1.53%1.29%0.91%-340 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps