Butler, NJ · Charter 6018
Q4 1998
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 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.97% | 3.85% | 3.32% | 3.48% | 3.98% | +101 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 | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -8.04% | -10.31% | -10.57% | -8.28% | -2.90% | +514 bps | |
| Loan Growth (YoY) | -12.86% | -13.03% | -9.61% | -9.70% | 2.40% | +1,526 bps | |
| Share Growth (YoY) | -8.73% | -9.45% | -12.76% | -9.54% | -4.53% | +421 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.62% | 2.78% | 6.03% | 3.30% | 16.72% | +1,410 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.22% | 4.43% | 3.35% | 3.86% | 4.72% | +50 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 | 49.25% | 53.58% | 55.35% | 53.04% | 52.82% | +357 bps | |
| Liquid Assets / Assets | 31.79% | 47.11% | 31.51% | 24.02% | 45.30% | +1,350 bps | |