Edison,, NJ · Charter 23706
Q4 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 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.42% | 1.24% | 1.97% | 1.70% | 2.75% | +33 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) | -1.63% | -8.61% | -15.35% | -21.84% | -37.39% | -3,576 bps | |
| Loan Growth (YoY) | 1.30% | -11.87% | -20.20% | -22.03% | -30.12% | -3,142 bps | |
| Share Growth (YoY) | -2.03% | -9.43% | -16.54% | -23.26% | -40.29% | -3,826 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.54% | 6.09% | 0.00% | 0.00% | 5.05% | +351 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.95% | 1.55% | 0.45% | 1.87% | 2.53% | +59 bps | |
| 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 | 63.15% | 58.87% | 66.05% | 59.92% | 73.89% | +1,074 bps | |
| Liquid Assets / Assets | 35.28% | 40.01% | 33.46% | 42.23% | 26.03% | -925 bps | |