Phillipsburg, NJ · Charter 5993
Q4 1999
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 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.90% | 2.59% | 3.20% | 1.32% | -2.05% | -496 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | 3.30% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 139.12% | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -26.35% | -35.42% | -37.26% | -25.81% | -19.68% | +667 bps | |
| Loan Growth (YoY) | -5.00% | -37.17% | -31.33% | -30.70% | -51.21% | -4,621 bps | |
| Share Growth (YoY) | -34.10% | -44.88% | -50.41% | -37.38% | -26.21% | +790 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 8.63% | 6.57% | 1.42% | 7.09% | 0.00% | -863 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 7.07% | 10.08% | 8.37% | 7.54% | 0.00% | -707 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 50.29% | 35.83% | 44.46% | 37.51% | 33.25% | -1,704 bps | |
| Liquid Assets / Assets | 3.79% | 46.32% | 47.48% | 64.22% | 68.23% | +6,444 bps | |