PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

C & E D

Trenton, NJ · Charter 60351

Q2 1996

$11.5MAssets
$6.5MLoans
$10.7MShares
n/aNet 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 3.41%, down 35 bps year over year.
  • Asset quality: problem loans at 0.45% of loans (-5 bps YoY).
  • Funding: loans stand at 61.17% of shares as of Q2 1996.

Financial Results

Return on Assets (quarter, annualized)

3.41%-35 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1994Q4 1994Q2 1995Q4 1995Q2 1996YoY ΔTrend
Earnings
Return on Assets3.76%3.75%3.70%3.70%3.41%-35 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/a5.98%n/an/a
Loan Growth (YoY)n/an/an/an/a23.91%n/an/a
Share Growth (YoY)n/an/an/an/a5.41%n/an/a
Asset Quality
Delinquent Loans / Loans0.51%0.27%0.35%0.21%0.45%-5 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.73%1.30%1.47%1.05%0.87%-86 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares52.03%60.13%58.62%61.10%61.17%+913 bps
Liquid Assets / Assets17.53%17.13%21.43%19.38%29.86%+1,233 bps