Vauxhall, NJ · Charter 24072
Q4 2002
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 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -12.72% | -5.65% | -3.25% | -2.72% | -4.95% | +777 bps | |
| Return on Equity | -35.66% | -15.16% | -9.15% | -7.48% | -14.43% | +2,123 bps | |
| Net Interest Margin | 4.80% | 4.52% | 1.35% | 1.51% | 1.51% | -330 bps | |
| Efficiency Ratio | 365% | 225% | 338% | 278% | 295% | -6,952 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -7.55% | -22.84% | -47.31% | -35.05% | -18.25% | -1,070 bps | |
| Loan Growth (YoY) | 98.07% | 32.97% | -53.26% | -54.85% | -83.60% | -18,167 bps | |
| Share Growth (YoY) | -5.68% | -24.45% | -55.27% | -40.14% | -16.53% | -1,086 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 25.20% | 49.29% | 23.69% | 26.25% | 0.00% | -2,520 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 17.37% | 42.38% | 44.24% | 49.02% | 0.00% | -1,737 bps | |
| Capital | |||||||
| Risk-Based Capital | 35.66% | 37.25% | 35.54% | 36.36% | 34.32% | -135 bps | |
| Net Worth / Assets | 35.66% | 37.25% | 35.54% | 36.36% | 34.32% | -135 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 61.03% | 42.87% | 39.89% | 37.68% | 11.99% | -4,904 bps | |
| Liquid Assets / Assets | 63.05% | 78.01% | 81.49% | 84.26% | 89.75% | +2,670 bps | |