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Local #137

Cherry Hill, NJ · Charter 23255

Q2 2005

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2005, the quarter ended June 30, 2005, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Local #137

Cherry Hill, NJ · Charter 23255

Q2 2005

$2.4MAssets
$572KLoans
$2.1MShares
$352KNet 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 -3.51%, down 319 bps year over year; NIM at 3.83%.
  • Asset quality: problem loans at 2.72% of loans (-80 bps YoY).
  • Capital: net worth / assets of 14.38%, down 163 bps from a year ago.
  • Funding: loans stand at 27.32% of shares as of Q2 2005.

Financial Results

Return on Assets (YTD, annualized)

-3.51%-319 bps YoY

Net Interest Margin (YTD, annualized)

3.83%-38 bps YoY

Efficiency Ratio (YTD, annualized)

113.87%+1,339 bps YoY

Net Worth / Assets

14.38%-163 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2004Q3 2004Q4 2004Q1 2005Q2 2005YoY ΔTrend
Earnings
Return on Assets-0.32%-0.33%-1.45%-5.63%-3.51%-319 bps
Return on Equity-2.01%-2.11%-9.25%-39.43%-24.44%-2,244 bps
Net Interest Margin4.21%4.16%4.45%4.23%3.83%-38 bps
Efficiency Ratio100.48%100.83%100.02%101.06%113.87%+1,339 bps
Growth
Asset Growth (YoY)3.18%3.21%-1.70%-2.85%-8.30%-1,148 bps
Loan Growth (YoY)-23.31%-17.00%-17.51%-21.71%-21.96%+135 bps
Share Growth (YoY)3.99%3.68%-0.20%-0.84%-6.23%-1,023 bps
Asset Quality
Delinquent Loans / Loans3.52%3.52%6.17%4.25%2.72%-80 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.13%1.49%4.91%8.03%6.32%+518 bps
Capital
Risk-Based Capital16.01%15.78%15.68%14.27%14.38%-163 bps
Net Worth / Assets16.01%15.78%15.68%14.27%14.38%-163 bps
Liquidity & Funding
Loans / Shares32.83%31.58%32.37%29.31%27.32%-551 bps
Liquid Assets / Assets42.80%30.65%37.54%48.74%75.71%+3,290 bps