Edgewater, NJ · Charter 5235
Q1 2004
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 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.04% | -0.08% | 0.02% | 0.07% | -0.87% | -83 bps | |
| Return on Equity | -0.48% | -1.03% | 0.29% | 0.72% | -9.40% | -892 bps | |
| Net Interest Margin | 1.51% | 1.69% | 2.17% | 2.40% | 2.42% | +91 bps | |
| Efficiency Ratio | 102.58% | 104.81% | 98.87% | 107.62% | 135.99% | +3,341 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 41.29% | 15.36% | 6.23% | -5.48% | -15.89% | -5,718 bps | |
| Loan Growth (YoY) | -38.80% | -25.52% | 0.22% | 22.35% | 46.28% | +8,507 bps | |
| Share Growth (YoY) | 46.55% | 16.95% | 6.54% | -6.35% | -17.28% | -6,383 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.69% | 0.55% | 0.36% | 0.77% | 1.03% | +34 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.18% | 3.17% | 2.54% | 0.73% | 0.67% | -251 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.09% | 7.92% | 8.42% | 9.18% | 9.25% | +116 bps | |
| Net Worth / Assets | 8.09% | 7.92% | 8.42% | 9.18% | 9.25% | +116 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 10.57% | 10.48% | 14.05% | 16.27% | 18.69% | +812 bps | |
| Liquid Assets / Assets | 18.14% | 57.06% | 11.96% | 52.61% | 58.04% | +3,990 bps | |