PackageTrendsPeer
Letter portraitLegal landscape

Cranford Methodist

Cranford, NJ · Charter 5429

Q4 2005

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2005, the quarter ended December 31, 2005, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Cranford Methodist

Cranford, NJ · Charter 5429

Q4 2005

$128KAssets
$24KLoans
$110KShares
$18KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -11.14%, down 1,134 bps year over year; NIM at -10.12%.
  • Asset quality: problem loans at 34.77% of loans (+2,726 bps YoY).
  • Capital: net worth / assets of 14.01%, down 981 bps from a year ago.
  • Funding: loans stand at 22.15% of shares as of Q4 2005.

Financial Results

Return on Assets (YTD, annualized)

-11.14%-1,134 bps YoY

Net Interest Margin (YTD, annualized)

-10.12%-1,192 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

14.01%-981 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2004Q1 2005Q2 2005Q3 2005Q4 2005YoY ΔTrend
Earnings
Return on Assets0.20%-0.02%0.35%0.40%-11.14%-1,134 bps
Return on Equity0.83%-0.10%1.47%1.69%-79.49%-8,033 bps
Net Interest Margin1.80%1.00%1.38%1.41%-10.12%-1,192 bps
Efficiency Ratio89.04%102.30%74.92%71.80%n/an/a
Growth
Asset Growth (YoY)-13.78%-12.05%-10.36%-9.84%-5.28%+850 bps
Loan Growth (YoY)-45.79%-47.21%-45.85%-45.12%-26.07%+1,972 bps
Share Growth (YoY)-17.21%-15.07%-12.65%-11.94%7.05%+2,426 bps
Asset Quality
Delinquent Loans / Loans7.51%8.61%24.42%46.20%34.77%+2,726 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans6.76%7.75%8.95%12.17%9.14%+239 bps
Capital
Risk-Based Capital23.82%23.76%24.06%23.91%14.01%-981 bps
Net Worth / Assets23.82%23.76%24.06%23.91%14.01%-981 bps
Liquidity & Funding
Loans / Shares32.08%27.89%24.65%18.00%22.15%-993 bps
Liquid Assets / Assets76.35%79.68%82.23%87.24%81.91%+557 bps