Bayonne, NJ · Charter 23512
Q2 1998
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1998, the quarter ended June 30, 1998, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Bayonne, NJ · Charter 23512
Q2 1998
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 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.09% | 0.27% | -0.76% | -1.29% | -314% | -31,584 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -16.04% | -31.58% | -50.02% | -65.42% | -99.77% | -8,373 bps | |
| Loan Growth (YoY) | -61.63% | -62.81% | -71.02% | -89.43% | -100.00% | -3,837 bps | |
| Share Growth (YoY) | -16.99% | -32.88% | -50.65% | -65.76% | -100.00% | -8,301 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 8.95% | 9.57% | 12.98% | 16.65% | n/a | n/a | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 28.29% | 36.02% | 36.85% | 89.19% | n/a | n/a | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 3.49% | 3.92% | 2.85% | 1.61% | n/a | n/a | |
| Liquid Assets / Assets | 88.40% | 85.80% | 75.62% | 73.00% | 0.00% | -8,840 bps | |