Willingboro, NJ · Charter 24137
NCUA
Q1 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2016, the quarter ended March 31, 2016, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Willingboro, NJ · Charter 24137
NCUA
Q1 2016
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 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.00% | -1.08% | -1.48% | -1.79% | -1.34% | -1.47% | -1.67% | -1.11% | +68 bps | |
| Return on Equity | -10.84% | -11.52% | -16.66% | -21.90% | -16.07% | -18.16% | -21.28% | -14.49% | +741 bps | |
| Net Interest Margin | 3.29% | 3.37% | 3.40% | 3.04% | 3.09% | 3.08% | 3.07% | 2.70% | -34 bps | |
| Efficiency Ratio | 137.93% | 137.47% | 144.84% | 153.29% | 139.18% | 143.05% | 148.80% | 136.79% | -1,650 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.16% | -5.10% | -8.49% | -7.89% | -7.64% | -6.06% | -7.18% | -10.12% | -223 bps | |
| Loan Growth (YoY) | -25.23% | -21.70% | -21.79% | -10.25% | -10.73% | -14.98% | -25.09% | -24.79% | -1,453 bps | |
| Share Growth (YoY) | 1.10% | -4.36% | -7.70% | -7.02% | -6.62% | -4.69% | -6.16% | -9.69% | -266 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.04% | 0.00% | 0.33% | 0.00% | 0.27% | 0.33% | 0.00% | 0.00% | 0 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 | 0.65% | 0.56% | 0.69% | 0.70% | 0.86% | 1.01% | 0.93% | 0.97% | +27 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.24% | 9.33% | 8.86% | 8.17% | 8.36% | 8.12% | 7.84% | 7.63% | -54 bps | |
| Net Worth / Assets | 9.24% | 9.33% | 8.86% | 8.17% | 8.36% | 8.12% | 7.84% | 7.63% | -54 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 40.11% | 41.03% | 40.07% | 40.66% | 38.34% | 36.60% | 31.98% | 33.86% | -680 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |