Bayonne, NJ · Charter 2686
Q2 1998
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1998, the quarter ended June 30, 1998, 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.
Bayonne, NJ · Charter 2686
Q2 1998
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 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.66% | 4.00% | 2.73% | 2.99% | -1.32% | -499 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -8.24% | -13.33% | -22.35% | -25.46% | -37.45% | -2,920 bps | |
| Loan Growth (YoY) | -7.58% | -23.88% | -26.08% | -29.93% | -43.24% | -3,566 bps | |
| Share Growth (YoY) | -10.50% | -16.78% | -26.64% | -30.35% | -42.65% | -3,215 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.19% | 3.70% | 4.68% | 4.06% | 3.64% | -55 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.33% | 3.23% | 3.11% | 1.98% | 5.54% | +221 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 45.94% | 52.55% | 50.96% | 51.82% | 45.46% | -47 bps | |
| Liquid Assets / Assets | 39.36% | 32.78% | 40.93% | 44.78% | 50.36% | +1,100 bps | |