Newark, NJ · Charter 23149
Q4 2008
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.69% | 0.52% | 0.77% | -22.38% | -81.84% | -8,253 bps | |
| Return on Equity | 3.33% | 2.38% | 3.74% | -251% | n/a | n/a | |
| Net Interest Margin | 5.20% | 3.65% | 4.80% | 5.18% | 6.96% | +176 bps | |
| Efficiency Ratio | 88.33% | 87.37% | 85.19% | 95.87% | 193.97% | +10,565 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.62% | -3.43% | 1.54% | -17.62% | -50.83% | -5,444 bps | |
| Loan Growth (YoY) | 1.73% | -4.40% | -3.96% | -7.18% | -9.70% | -1,143 bps | |
| Share Growth (YoY) | -3.18% | -13.00% | -3.79% | -9.98% | -14.40% | -1,122 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.80% | 3.89% | 2.72% | 22.94% | 59.66% | +5,586 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.65% | 0.67% | 0.61% | 13.10% | 42.50% | +4,185 bps | |
| Capital | |||||||
| Risk-Based Capital | 20.61% | 21.77% | 20.68% | 8.92% | -49.60% | -7,021 bps | |
| Net Worth / Assets | 20.61% | 21.77% | 20.68% | 8.92% | -49.60% | -7,021 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 122.48% | 128.85% | 121.87% | 120.89% | 129.20% | +672 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |