Cherry Hill, NJ · Charter 23255
Q2 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 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| 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 Margin | 4.21% | 4.16% | 4.45% | 4.23% | 3.83% | -38 bps | |
| Efficiency Ratio | 100.48% | 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 / Loans | 3.52% | 3.52% | 6.17% | 4.25% | 2.72% | -80 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.13% | 1.49% | 4.91% | 8.03% | 6.32% | +518 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.01% | 15.78% | 15.68% | 14.27% | 14.38% | -163 bps | |
| Net Worth / Assets | 16.01% | 15.78% | 15.68% | 14.27% | 14.38% | -163 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 32.83% | 31.58% | 32.37% | 29.31% | 27.32% | -551 bps | |
| Liquid Assets / Assets | 42.80% | 30.65% | 37.54% | 48.74% | 75.71% | +3,290 bps | |