PackageTrendsPeer
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Twenty First Century

Englewood, NJ · Charter 24130

Q4 1995

$339KAssets
$12KLoans
$285KShares
n/aNet 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 3.59%.
  • Asset quality: problem loans at 0.00% of loans.
  • Funding: loans stand at 4.27% of shares as of Q4 1995.

Financial Results

Return on Assets (quarter, annualized)

3.59%

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1994Q4 1994Q2 1995Q4 1995YoY ΔTrend
Earnings
Return on Assets2.72%3.80%2.56%3.59%n/a
Return on Equityn/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/an/an/a
Loan Growth (YoY)n/an/an/an/an/an/a
Share Growth (YoY)n/an/an/an/an/an/a
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%n/a
Net Charge-Offs / Loansn/an/an/an/an/an/a
Allowance / Loans23.01%14.76%23.96%49.32%n/a
Capital
Risk-Based Capitaln/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares10.33%15.41%8.37%4.27%n/a
Liquid Assets / Assets70.84%85.77%79.64%17.46%n/a