Princeton, NJ · Charter 24062
NCUA · 1 branch
Q4 2022
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.80% | 0.10% | 0.58% | 0.17% | -0.19% | -0.60% | -0.65% | -4.23% | -440 bps | |
| Return on Equity | 6.35% | 0.74% | 4.51% | 1.36% | -1.53% | -4.79% | -5.23% | -42.37% | -4,373 bps | |
| Net Interest Margin | 2.01% | 1.90% | 1.83% | 1.74% | 2.05% | 1.36% | 1.54% | 0.64% | -110 bps | |
| Efficiency Ratio | 73.91% | 96.16% | 80.32% | 93.39% | 109.07% | 133.00% | 134.54% | 507% | +41,349 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.15% | 0.81% | 5.27% | 5.72% | 0.39% | 0.27% | -2.41% | -11.45% | -1,716 bps | |
| Loan Growth (YoY) | -25.13% | -22.43% | -24.66% | -12.88% | -18.51% | -18.02% | -18.83% | -11.21% | +166 bps | |
| Share Growth (YoY) | 6.87% | 0.63% | 5.56% | 2.74% | 0.79% | 0.44% | -1.14% | -10.81% | -1,354 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.47% | 3.50% | 3.46% | 3.84% | 4.25% | 4.44% | 4.27% | 4.17% | +33 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 | 1.16% | 1.17% | 1.16% | 1.24% | 1.42% | 1.41% | 1.41% | 2.61% | +137 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.61% | 12.78% | 12.84% | 12.59% | 12.49% | 12.58% | 12.40% | 9.99% | -260 bps | |
| Net Worth / Assets | 12.61% | 12.78% | 12.84% | 12.59% | 12.49% | 12.58% | 12.40% | 9.99% | -260 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 30.28% | 30.80% | 30.37% | 28.29% | 24.48% | 25.14% | 24.94% | 28.16% | -13 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |