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Camden Police

Camden, NJ · Charter 6015

NCUA · 1 branch

Q2 2021

$434KAssets
$161KLoans
$406KShares
$28KNet 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 0.32%, up 496 bps year over year; NIM at 6.83%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 6.39%, up 169 bps from a year ago.
  • Funding: loans stand at 39.75% of shares as of Q2 2021.

Financial Results

Return on Assets (quarter, annualized)

0.32%+496 bps YoY

Net Interest Margin (quarter, annualized)

6.83%-9 bps YoY

Efficiency Ratio (quarter, annualized)

95.45%-579 bps YoY

Net Worth / Assets

6.39%+169 bps YoY

Discrete quarter, annualized.

MetricQ2 2020Q3 2020Q4 2020Q1 2021Q2 2021YoY ΔTrend
Earnings
Return on Assets-4.64%-3.76%-2.98%1.05%0.32%+496 bps
Return on Equity-98.92%-64.90%-49.39%16.94%4.99%+10,391 bps
Net Interest Margin6.92%7.94%7.94%7.16%6.83%-9 bps
Efficiency Ratio101.24%100.61%100.77%85.78%95.45%-579 bps
Growth
Asset Growth (YoY)-12.94%-28.61%-30.27%-25.81%-24.63%-1,169 bps
Loan Growth (YoY)-27.32%-33.89%-32.36%-32.74%-35.74%-841 bps
Share Growth (YoY)-4.91%-27.57%-30.07%-26.68%-25.93%-2,101 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.96%3.11%4.08%6.27%8.48%+652 bps
Capital
Risk-Based Capital4.69%5.80%6.02%6.17%6.39%+169 bps
Net Worth / Assets4.69%5.80%6.02%6.17%6.39%+169 bps
Liquidity & Funding
Loans / Shares45.82%54.10%56.86%46.66%39.75%-607 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps