Elizabeth, NJ · Charter 22550
Q2 1999
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1999, the quarter ended June 30, 1999, 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.
Elizabeth, NJ · Charter 22550
Q2 1999
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 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.95% | 4.30% | 4.01% | 1.58% | -1.64% | -659 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -0.21% | 21.25% | 49.64% | 54.23% | 44.30% | +4,451 bps | |
| Loan Growth (YoY) | -2.58% | 8.72% | 71.64% | 86.94% | 79.71% | +8,229 bps | |
| Share Growth (YoY) | 21.73% | 21.58% | 53.42% | 64.22% | 56.53% | +3,480 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 11.99% | 6.92% | 1.91% | 3.24% | 4.83% | -715 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 7.10% | 4.00% | 2.10% | 2.58% | 8.61% | +151 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 57.39% | 54.60% | 61.26% | 67.44% | 65.89% | +850 bps | |
| Liquid Assets / Assets | 30.15% | 26.78% | 34.79% | 27.39% | 29.31% | -84 bps | |