Newark, NJ · Charter 24164
Q3 2006
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.03% | -0.77% | 2.81% | -33.63% | -28.10% | -2,507 bps | |
| Return on Equity | -20.46% | -5.43% | 25.14% | n/a | n/a | n/a | |
| Net Interest Margin | 3.33% | 3.30% | 9.46% | 10.68% | 6.86% | +352 bps | |
| Efficiency Ratio | 169.95% | 110.85% | 70.55% | 252% | 273% | +10,271 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.44% | 4.52% | 6.15% | -35.53% | -21.50% | -1,306 bps | |
| Loan Growth (YoY) | 70.50% | 70.79% | 28.25% | -73.48% | -81.49% | -15,199 bps | |
| Share Growth (YoY) | -6.72% | 15.75% | 16.57% | -4.20% | -0.71% | +601 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 7.68% | 12.91% | 24.80% | 43.02% | 30.35% | +2,267 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.66% | 0.67% | 0.86% | 7.61% | 12.48% | +1,182 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.83% | 14.24% | 11.16% | -22.34% | -26.27% | -4,110 bps | |
| Net Worth / Assets | 14.83% | 14.24% | 11.16% | -22.34% | -26.27% | -4,110 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 113.11% | 93.69% | 69.26% | 29.87% | 21.09% | -9,202 bps | |
| Liquid Assets / Assets | 8.11% | 20.02% | 23.19% | 0.00% | 0.00% | -811 bps | |