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Health Care of New Jersey

Mt Holly, NJ · Charter 23961

NCUA · 2 branches

Q1 2019

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2019, the quarter ended March 31, 2019, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Health Care of New Jersey

Mt Holly, NJ · Charter 23961

NCUA · 2 branches

Q1 2019

$6.6MAssets
$2.8MLoans
$5.7MShares
$796KNet 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 -3.92%, down 444 bps year over year; NIM at 3.64%.
  • Asset quality: problem loans at 0.15% of loans (-28 bps YoY).
  • Capital: net worth / assets of 12.14%, down 37 bps from a year ago.
  • Funding: loans stand at 49.77% of shares as of Q1 2019.

Financial Results

Return on Assets (YTD, annualized)

-3.92%-444 bps YoY

Net Interest Margin (YTD, annualized)

3.64%+50 bps YoY

Efficiency Ratio (YTD, annualized)

131.62%+4,453 bps YoY

Net Worth / Assets

12.14%-37 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2018Q2 2018Q3 2018Q4 2018Q1 2019YoY ΔTrend
Earnings
Return on Assets0.52%0.71%0.67%0.25%-3.92%-444 bps
Return on Equity4.15%5.44%5.15%1.84%-32.26%-3,642 bps
Net Interest Margin3.14%3.26%3.24%3.58%3.64%+50 bps
Efficiency Ratio87.09%83.04%84.28%91.64%131.62%+4,453 bps
Growth
Asset Growth (YoY)-0.02%-1.46%-3.44%-0.87%-3.89%-387 bps
Loan Growth (YoY)-4.04%-4.55%5.19%6.87%4.67%+871 bps
Share Growth (YoY)-0.73%-2.10%-3.26%-2.93%-4.07%-334 bps
Asset Quality
Delinquent Loans / Loans0.42%0.21%1.07%0.23%0.15%-28 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.84%1.76%1.43%0.39%1.96%+11 bps
Capital
Risk-Based Capital12.50%12.99%12.92%13.76%12.14%-37 bps
Net Worth / Assets12.50%12.99%12.92%13.76%12.14%-37 bps
Liquidity & Funding
Loans / Shares45.61%49.39%50.35%55.23%49.77%+416 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps