Cherry Hill, NJ · Charter 22510
NCUA · 1 branch
Q3 2018
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 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.61% | -1.80% | -1.84% | -2.01% | -2.15% | -2.76% | -2.86% | 5.69% | +770 bps | |
| Return on Equity | -5.18% | -5.84% | -6.20% | -6.93% | -7.35% | -8.85% | -8.74% | 15.59% | +2,252 bps | |
| Net Interest Margin | 1.03% | 0.94% | 0.80% | 0.63% | 0.54% | 0.19% | 0.25% | 0.34% | -29 bps | |
| Efficiency Ratio | 231% | 275% | 308% | 380% | 440% | 1057% | 896% | 601% | +22,162 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.36% | -6.33% | -0.53% | 0.02% | -1.25% | -8.61% | -16.74% | -12.06% | -1,207 bps | |
| Loan Growth (YoY) | -14.84% | -39.87% | -70.35% | -85.63% | -94.21% | -93.89% | -89.35% | -83.41% | +222 bps | |
| Share Growth (YoY) | -6.99% | -6.81% | 1.89% | 2.83% | 1.28% | -9.08% | -20.42% | -21.44% | -2,427 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 27.67% | 35.74% | 80.63% | 178.68% | 478% | 585% | 757% | 0.00% | -17,868 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 31.04% | 30.83% | 29.59% | 28.95% | 29.27% | 31.19% | 32.70% | 36.53% | +758 bps | |
| Net Worth / Assets | 31.04% | 30.83% | 29.59% | 28.95% | 29.27% | 31.19% | 32.70% | 36.53% | +758 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 29.23% | 22.74% | 9.66% | 4.31% | 1.67% | 1.53% | 1.29% | 0.91% | -340 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |