West Orange, NJ · Charter 312
Q3 2006
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 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -5.96% | -6.58% | 0.76% | 0.88% | 0.65% | +661 bps | |
| Return on Equity | -40.52% | -43.79% | 4.80% | 5.98% | 4.40% | +4,492 bps | |
| Net Interest Margin | 7.47% | 8.48% | 7.48% | 7.08% | 7.21% | -26 bps | |
| Efficiency Ratio | 104.92% | 99.67% | 89.83% | 87.62% | 90.95% | -1,397 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -20.97% | -15.33% | -19.44% | -12.09% | -10.62% | +1,034 bps | |
| Loan Growth (YoY) | -18.99% | -19.10% | -12.16% | -17.45% | -17.30% | +169 bps | |
| Share Growth (YoY) | -19.65% | -11.46% | -17.21% | -8.60% | -11.13% | +852 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 7.38% | 3.84% | 5.26% | 5.19% | 2.72% | -466 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 7.53% | 7.28% | 8.64% | 9.75% | 7.82% | +28 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.70% | 15.03% | 15.89% | 14.69% | 14.87% | +17 bps | |
| Net Worth / Assets | 14.70% | 15.03% | 15.89% | 14.69% | 14.87% | +17 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 74.04% | 77.47% | 76.11% | 65.22% | 68.90% | -514 bps | |
| Liquid Assets / Assets | 39.06% | 35.98% | 38.73% | 0.00% | 0.00% | -3,906 bps | |