PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Bakelite Employees

Somersetook, NJ · Charter 23610

Q2 1997

$20.1MAssets
$11.0MLoans
$18.8MShares
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 3.71%, up 139 bps year over year.
  • Asset quality: problem loans at 1.65% of loans (-162 bps YoY).
  • Funding: loans stand at 58.58% of shares as of Q2 1997.

Financial Results

Return on Assets (YTD, annualized)

3.71%+139 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ2 1995Q4 1995Q2 1996Q4 1996Q2 1997YoY ΔTrend
Earnings
Return on Assets2.32%3.26%3.87%3.88%3.71%+139 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/a-19.15%-9.20%2.77%n/a
Loan Growth (YoY)n/an/a-0.63%-4.90%-2.14%n/a
Share Growth (YoY)n/an/a-19.80%-9.74%-0.06%n/a
Asset Quality
Delinquent Loans / Loans3.27%2.65%3.06%1.31%1.65%-162 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.75%2.57%1.95%1.77%1.46%-129 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 / Shares59.82%65.45%61.04%58.72%58.58%-124 bps
Liquid Assets / Assets14.86%17.15%20.95%22.45%13.51%-135 bps