Edison, NJ · Charter 5869
Q3 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2003, the quarter ended September 30, 2003, 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.
Edison, NJ · Charter 5869
Q3 2003
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 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -9.71% | -9.03% | -2.36% | -2.08% | -2.76% | +694 bps | |
| Return on Equity | -160.96% | -167.82% | -51.95% | -47.42% | -71.95% | +8,901 bps | |
| Net Interest Margin | 2.91% | 2.99% | 2.95% | 3.41% | 3.91% | +99 bps | |
| Efficiency Ratio | n/a | n/a | 157.35% | 141.85% | 134.55% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -22.70% | -27.47% | -18.93% | -11.00% | -15.95% | +675 bps | |
| Loan Growth (YoY) | 10.97% | -4.73% | -42.81% | -0.80% | -4.07% | -1,504 bps | |
| Share Growth (YoY) | -18.57% | -22.96% | -14.39% | -10.24% | -13.36% | +520 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.66% | 3.91% | 1.87% | 1.07% | 1.23% | -143 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.37% | 2.55% | 0.82% | 0.64% | 1.23% | -114 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.03% | 5.38% | 4.54% | 4.39% | 3.84% | -219 bps | |
| Net Worth / Assets | 6.03% | 5.38% | 4.54% | 4.39% | 3.84% | -219 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 47.89% | 48.18% | 28.63% | 53.51% | 53.03% | +514 bps | |
| Liquid Assets / Assets | 13.96% | 9.03% | 16.51% | 22.17% | 22.18% | +822 bps | |