New Brunswick, NJ · Charter 22887
Q3 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2005, the quarter ended September 30, 2005, 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.
New Brunswick, NJ · Charter 22887
Q3 2005
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 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.30% | 0.09% | 1.86% | 0.40% | -0.15% | +15 bps | |
| Return on Equity | -3.71% | 0.97% | 19.58% | 4.09% | -1.57% | +214 bps | |
| Net Interest Margin | 2.93% | 3.35% | 3.39% | 2.72% | 3.72% | +79 bps | |
| Efficiency Ratio | 109.98% | 97.48% | 45.08% | 85.87% | 58.91% | -5,107 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 19.27% | 18.49% | 1.22% | -4.94% | -13.70% | -3,297 bps | |
| Loan Growth (YoY) | -23.11% | -15.00% | -8.76% | 13.22% | 5.68% | +2,879 bps | |
| Share Growth (YoY) | 23.45% | 21.88% | 1.82% | -4.77% | -15.16% | -3,860 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 8.45% | 20.41% | 30.11% | 20.19% | 25.44% | +1,699 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.69% | 3.22% | 3.40% | 2.54% | 0.83% | -285 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.06% | 8.85% | 9.50% | 9.71% | 9.41% | +135 bps | |
| Net Worth / Assets | 8.06% | 8.85% | 9.50% | 9.71% | 9.41% | +135 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 39.02% | 47.66% | 46.80% | 54.76% | 48.60% | +958 bps | |
| Liquid Assets / Assets | 63.40% | 55.23% | 55.76% | 46.24% | 53.32% | -1,007 bps | |