PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

N.J. State Emp.

Audubon, NJ · Charter 23281

Q2 1996

$4.9MAssets
$2.3MLoans
$4.9MShares
n/aNet 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 -3.59%, down 828 bps year over year.
  • Asset quality: problem loans at 6.97% of loans (+617 bps YoY).
  • Funding: loans stand at 47.79% of shares as of Q2 1996.

Financial Results

Return on Assets (quarter, annualized)

-3.59%-828 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1994Q4 1994Q2 1995Q4 1995Q2 1996YoY ΔTrend
Earnings
Return on Assets4.69%5.46%4.36%2.72%-3.59%-828 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/a-11.68%n/an/a
Loan Growth (YoY)n/an/an/an/a-27.97%n/an/a
Share Growth (YoY)n/an/an/an/a-8.65%n/an/a
Asset Quality
Delinquent Loans / Loans0.81%0.87%11.35%6.82%6.97%+617 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.69%2.54%2.93%0.96%6.64%+395 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares60.62%62.41%61.16%53.31%47.79%-1,283 bps
Liquid Assets / Assets29.58%12.88%15.59%26.33%48.07%+1,849 bps