Newark, NJ · Charter 5329
Q1 2011
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.92% | 0.14% | -2.73% | -3.30% | 0.60% | -32 bps | |
| Return on Equity | 10.18% | 1.66% | -36.34% | -53.89% | 19.61% | +943 bps | |
| Net Interest Margin | 5.47% | 6.03% | 5.90% | 6.03% | 6.26% | +80 bps | |
| Efficiency Ratio | 73.47% | 73.32% | 80.09% | 121.36% | 90.99% | +1,752 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.66% | -7.45% | -1.39% | -3.18% | -8.40% | +26 bps | |
| Loan Growth (YoY) | 5.92% | -6.35% | -8.33% | -14.19% | -34.36% | -4,029 bps | |
| Share Growth (YoY) | -11.92% | -9.53% | -1.29% | 1.31% | -0.68% | +1,124 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 39.19% | 18.82% | 14.53% | 33.06% | 20.12% | -1,907 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.34% | 0.41% | 2.06% | 2.24% | 4.54% | +220 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.03% | 8.54% | 7.51% | 6.13% | 3.06% | -597 bps | |
| Net Worth / Assets | 9.03% | 8.54% | 7.51% | 6.13% | 3.06% | -597 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 100.51% | 94.98% | 84.74% | 81.33% | 66.42% | -3,408 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |