Cranford, NJ · Charter 5429
Q4 2005
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 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.20% | -0.02% | 0.35% | 0.40% | -11.14% | -1,134 bps | |
| Return on Equity | 0.83% | -0.10% | 1.47% | 1.69% | -79.49% | -8,033 bps | |
| Net Interest Margin | 1.80% | 1.00% | 1.38% | 1.41% | -10.12% | -1,192 bps | |
| Efficiency Ratio | 89.04% | 102.30% | 74.92% | 71.80% | n/a | n/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 / Loans | 7.51% | 8.61% | 24.42% | 46.20% | 34.77% | +2,726 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 6.76% | 7.75% | 8.95% | 12.17% | 9.14% | +239 bps | |
| Capital | |||||||
| Risk-Based Capital | 23.82% | 23.76% | 24.06% | 23.91% | 14.01% | -981 bps | |
| Net Worth / Assets | 23.82% | 23.76% | 24.06% | 23.91% | 14.01% | -981 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 32.08% | 27.89% | 24.65% | 18.00% | 22.15% | -993 bps | |
| Liquid Assets / Assets | 76.35% | 79.68% | 82.23% | 87.24% | 81.91% | +557 bps | |