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Internet Archive

New Brunswick, NJ · Charter 24846

NCUA

Q1 2016

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

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.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Internet Archive

New Brunswick, NJ · Charter 24846

NCUA

Q1 2016

$32KAssets
$0KLoans
$0KShares
$7KNet 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 -363.15%, down 36,013 bps year over year; NIM at 2.58%.
  • Capital: net worth / assets of 21.72%, up 194 bps from a year ago.

Financial Results

Return on Assets (YTD, annualized)

-363%-36,013 bps YoY

Net Interest Margin (YTD, annualized)

2.58%+233 bps YoY

Efficiency Ratio (YTD, annualized)

3733%+356,755 bps YoY

Net Worth / Assets

21.72%+194 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2015Q2 2015Q3 2015Q4 2015Q1 2016YoY ΔTrend
Earnings
Return on Assets-3.02%-3.54%-2.72%-6.95%-363%-36,013 bps
Return on Equity-15.26%-22.02%-20.17%-25.22%-1672%-165,639 bps
Net Interest Margin0.25%0.30%0.34%0.37%2.58%+233 bps
Efficiency Ratio165.06%179.98%179.73%217%3733%+356,755 bps
Growth
Asset Growth (YoY)22.80%22.37%-6.99%-60.74%-98.90%-12,170 bps
Loan Growth (YoY)184.83%29.92%20.44%-62.97%-100.00%-28,483 bps
Share Growth (YoY)41.85%48.95%-12.40%-93.02%-100.00%-14,185 bps
Asset Quality
Delinquent Loans / Loans14.93%3.40%13.77%2.94%n/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.77%0.75%0.75%1.67%n/an/a
Capital
Risk-Based Capital19.78%16.07%13.50%27.57%21.72%+194 bps
Net Worth / Assets19.78%16.07%13.50%27.57%21.72%+194 bps
Liquidity & Funding
Loans / Shares2.34%3.22%2.53%13.50%n/an/a
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps