Mt Holly, NJ · Charter 23961
NCUA · 2 branches
Q1 2019
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.34% | -0.18% | -0.36% | 0.52% | 0.71% | 0.67% | 0.25% | -3.92% | -444 bps | |
| Return on Equity | -2.69% | -1.45% | -2.71% | 4.15% | 5.44% | 5.15% | 1.84% | -32.26% | -3,642 bps | |
| Net Interest Margin | 3.03% | 2.99% | 3.32% | 3.14% | 3.26% | 3.24% | 3.58% | 3.64% | +50 bps | |
| Efficiency Ratio | 91.37% | 90.56% | 91.07% | 87.09% | 83.04% | 84.28% | 91.64% | 131.62% | +4,453 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.29% | -0.22% | -1.39% | -0.02% | -1.46% | -3.44% | -0.87% | -3.89% | -387 bps | |
| Loan Growth (YoY) | 7.68% | -0.01% | -3.41% | -4.04% | -4.55% | 5.19% | 6.87% | 4.67% | +871 bps | |
| Share Growth (YoY) | 0.81% | -0.70% | -0.24% | -0.73% | -2.10% | -3.26% | -2.93% | -4.07% | -334 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.40% | 0.33% | 0.35% | 0.42% | 0.21% | 1.07% | 0.23% | 0.15% | -28 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.93% | 1.53% | 1.89% | 1.84% | 1.76% | 1.43% | 0.39% | 1.96% | +11 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.62% | 12.19% | 13.39% | 12.50% | 12.99% | 12.92% | 13.76% | 12.14% | -37 bps | |
| Net Worth / Assets | 12.62% | 12.19% | 13.39% | 12.50% | 12.99% | 12.92% | 13.76% | 12.14% | -37 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 50.66% | 46.30% | 50.17% | 45.61% | 49.39% | 50.35% | 55.23% | 49.77% | +416 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |