Camden, NJ · Charter 6015
NCUA · 1 branch
Q2 2021
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.74% | -2.33% | -6.15% | -4.64% | -3.76% | -2.98% | 1.05% | 0.32% | +496 bps | |
| Return on Equity | -24.38% | -37.18% | -122.73% | -98.92% | -64.90% | -49.39% | 16.94% | 4.99% | +10,391 bps | |
| Net Interest Margin | 6.68% | 6.77% | 6.86% | 6.92% | 7.94% | 7.94% | 7.16% | 6.83% | -9 bps | |
| Efficiency Ratio | 124.79% | 128.79% | 89.44% | 101.24% | 100.61% | 100.77% | 85.78% | 95.45% | -579 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.86% | -3.97% | -6.79% | -12.94% | -28.61% | -30.27% | -25.81% | -24.63% | -1,169 bps | |
| Loan Growth (YoY) | -4.55% | -9.73% | -25.96% | -27.32% | -33.89% | -32.36% | -32.74% | -35.74% | -841 bps | |
| Share Growth (YoY) | 2.89% | 6.49% | 4.04% | -4.91% | -27.57% | -30.07% | -26.68% | -25.93% | -2,101 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.98% | 11.46% | 3.86% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.03% | 2.38% | 2.25% | 1.96% | 3.11% | 4.08% | 6.27% | 8.48% | +652 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.14% | 6.28% | 5.01% | 4.69% | 5.80% | 6.02% | 6.17% | 6.39% | +169 bps | |
| Net Worth / Assets | 7.14% | 6.28% | 5.01% | 4.69% | 5.80% | 6.02% | 6.17% | 6.39% | +169 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.26% | 58.78% | 50.87% | 45.82% | 54.10% | 56.86% | 46.66% | 39.75% | -607 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |