Hackettstown, NJ · Charter 23765
Q2 1999
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1999, the quarter ended June 30, 1999, 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.
Hackettstown, NJ · Charter 23765
Q2 1999
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 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.28% | 1.48% | 2.70% | 2.79% | 2.70% | +141 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) | -10.71% | -18.99% | -21.86% | -13.26% | -12.57% | -186 bps | |
| Loan Growth (YoY) | -14.12% | -20.40% | -25.61% | -26.96% | -11.53% | +259 bps | |
| Share Growth (YoY) | -13.40% | -20.34% | -23.57% | -13.44% | -13.61% | -21 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.99% | 0.79% | 0.14% | 0.36% | 0.14% | -185 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.10% | 1.00% | 1.19% | 1.11% | 1.19% | +9 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 | 88.69% | 96.13% | 90.82% | 81.82% | 90.82% | +213 bps | |
| Liquid Assets / Assets | 9.95% | 4.92% | 15.29% | 19.61% | 15.29% | +534 bps | |