New Brunswick, NJ · Charter 24846
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.
New Brunswick, NJ · Charter 24846
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 | 1.39% | -0.21% | 0.05% | -3.02% | -3.54% | -2.72% | -6.95% | -363% | -36,013 bps | |
| Return on Equity | 2.53% | -0.58% | 0.16% | -15.26% | -22.02% | -20.17% | -25.22% | -1672% | -165,639 bps | |
| Net Interest Margin | 0.21% | 0.16% | 0.17% | 0.25% | 0.30% | 0.34% | 0.37% | 2.58% | +233 bps | |
| Efficiency Ratio | 92.45% | 101.90% | 99.47% | 165.06% | 179.98% | 179.73% | 217% | 3733% | +356,755 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -51.35% | 33.39% | 28.99% | 22.80% | 22.37% | -6.99% | -60.74% | -98.90% | -12,170 bps | |
| Loan Growth (YoY) | n/a | n/a | 309% | 184.83% | 29.92% | 20.44% | -62.97% | -100.00% | -28,483 bps | |
| Share Growth (YoY) | -70.64% | 72.04% | 45.34% | 41.85% | 48.95% | -12.40% | -93.02% | -100.00% | -14,185 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.76% | 8.83% | 2.16% | 14.93% | 3.40% | 13.77% | 2.94% | n/a | n/a | |
| 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 | 0.00% | 0.97% | 0.75% | 0.77% | 0.75% | 0.75% | 1.67% | n/a | n/a | |
| Capital | ||||||||||
| Risk-Based Capital | 55.10% | 35.87% | 33.82% | 19.78% | 16.07% | 13.50% | 27.57% | 21.72% | +194 bps | |
| Net Worth / Assets | 55.10% | 35.87% | 33.82% | 19.78% | 16.07% | 13.50% | 27.57% | 21.72% | +194 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 3.70% | 1.84% | 2.55% | 2.34% | 3.22% | 2.53% | 13.50% | n/a | n/a | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |