Northfield, NJ · Charter 3198
Q3 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2015, the quarter ended September 30, 2015, 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.
Northfield, NJ · Charter 3198
Q3 2015
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 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.27% | 0.16% | -0.10% | -0.08% | -0.34% | -61 bps | |
| Return on Equity | 3.05% | 1.83% | -1.14% | -0.88% | -3.82% | -687 bps | |
| Net Interest Margin | 2.28% | 2.22% | 1.97% | 1.97% | 2.07% | -21 bps | |
| Efficiency Ratio | 90.18% | 93.67% | 107.67% | 100.87% | 110.52% | +2,035 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.13% | 3.07% | 0.62% | -2.45% | -2.33% | -646 bps | |
| Loan Growth (YoY) | -9.19% | -10.92% | -10.41% | -8.99% | -12.61% | -342 bps | |
| Share Growth (YoY) | 2.92% | 2.09% | 0.93% | -2.37% | -3.42% | -633 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.91% | 0.50% | 0.75% | 0.72% | 0.55% | -35 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.84% | 0.75% | 0.79% | 0.81% | 0.41% | -43 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.88% | 8.78% | 8.67% | 8.64% | 8.80% | -8 bps | |
| Net Worth / Assets | 8.88% | 8.78% | 8.67% | 8.64% | 8.80% | -8 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 35.96% | 33.97% | 32.63% | 32.11% | 32.54% | -342 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |