Moorestown, NJ · Charter 24641
Q3 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2002, the quarter ended September 30, 2002, 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.
Moorestown, NJ · Charter 24641
Q3 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 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.09% | -0.14% | 0.16% | -0.07% | -1.09% | -117 bps | |
| Return on Equity | 2.06% | -4.68% | 6.26% | -2.55% | -46.83% | -4,888 bps | |
| Net Interest Margin | 5.40% | 3.71% | 2.66% | 2.48% | 3.05% | -234 bps | |
| Efficiency Ratio | 98.25% | 103.72% | 94.00% | 100.87% | 123.55% | +2,530 bps | |
| Growth | |||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | 42.02% | n/a | n/a |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | -11.94% | n/a | n/a |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | 43.48% | n/a | n/a |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 1.02% | 2.92% | 4.07% | 4.36% | +436 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.58% | 0.72% | 0.63% | 0.85% | 2.79% | +221 bps | |
| Capital | |||||||
| Risk-Based Capital | 4.33% | 2.91% | 2.49% | 2.56% | 2.32% | -201 bps | |
| Net Worth / Assets | 4.33% | 2.91% | 2.49% | 2.56% | 2.32% | -201 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 20.75% | 11.92% | 11.25% | 11.36% | 12.73% | -801 bps | |
| Liquid Assets / Assets | 54.00% | 85.00% | 57.03% | 81.81% | 42.75% | -1,125 bps | |