Pennsauken, NJ · Charter 23481
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 | 0.21% | 0.29% | 1.17% | 0.93% | 0.46% | +25 bps | |
| Return on Equity | 1.24% | 1.53% | 5.92% | 4.66% | 2.26% | +102 bps | |
| Net Interest Margin | 2.26% | 2.57% | 2.90% | 1.46% | 0.98% | -129 bps | |
| Efficiency Ratio | 91.04% | 89.16% | 60.35% | 36.88% | 53.97% | -3,707 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 14.31% | 7.39% | 2.32% | -5.68% | -11.41% | -2,571 bps | |
| Loan Growth (YoY) | 5.00% | -0.80% | -13.20% | -30.68% | -37.55% | -4,254 bps | |
| Share Growth (YoY) | 20.53% | 11.40% | 2.15% | -7.95% | -15.05% | -3,558 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.13% | 2.68% | +268 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 7.32% | 8.11% | 9.20% | 10.32% | 11.73% | +440 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.83% | 18.87% | 19.73% | 19.95% | 20.20% | +337 bps | |
| Net Worth / Assets | 16.83% | 18.87% | 19.73% | 19.95% | 20.20% | +337 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 36.76% | 38.03% | 34.98% | 30.72% | 27.02% | -974 bps | |
| Liquid Assets / Assets | 69.73% | 69.96% | 72.87% | 76.18% | 79.29% | +955 bps | |