Orange, NJ · Charter 24115
NCUA · 1 branch
Q1 2022
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.41% | -2.51% | -4.00% | -5.67% | -5.69% | -12.65% | -55.10% | -5684% | -567,847 bps | |
| Return on Equity | -10.16% | -10.86% | -18.13% | -23.50% | -24.19% | -75.97% | -919% | -5684% | -566,064 bps | |
| Net Interest Margin | 1.83% | 1.56% | 1.39% | 0.62% | 0.51% | 0.47% | -14.00% | 2.66% | +204 bps | |
| Efficiency Ratio | 229% | 257% | 375% | 955% | 1017% | 2331% | n/a | 214044% | +21,308,899 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -20.11% | -9.69% | -11.57% | -21.17% | -20.07% | -18.54% | -63.76% | -99.83% | -7,866 bps | |
| Loan Growth (YoY) | -62.45% | -65.01% | -67.26% | -72.34% | -77.86% | -92.42% | -100.00% | -100.00% | -2,766 bps | |
| Share Growth (YoY) | -22.66% | -9.47% | -11.12% | -22.45% | -20.69% | -11.96% | -55.94% | -100.00% | -7,755 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.42% | 12.68% | 19.60% | 16.61% | 24.19% | 0.00% | n/a | n/a | n/a | |
| 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 | 26.78% | 34.22% | 43.63% | 61.39% | 98.89% | 324% | n/a | n/a | n/a | |
| Capital | ||||||||||
| Risk-Based Capital | 23.71% | 23.12% | 22.09% | 24.12% | 23.54% | 16.65% | 6.00% | 100.00% | +7,588 bps | |
| Net Worth / Assets | 23.71% | 23.12% | 22.09% | 24.12% | 23.54% | 16.65% | 6.00% | 100.00% | +7,588 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 17.01% | 12.46% | 10.07% | 8.48% | 4.75% | 1.07% | 0.00% | n/a | n/a | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |