Passaic, NJ · Charter 60448
NCUA · 1 branch
Q3 2018
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.60% | -1.57% | -1.46% | -1.42% | -1.35% | -1.28% | -1.83% | -8.71% | -729 bps | |
| Return on Equity | -3.66% | -9.51% | -9.60% | -9.22% | -9.20% | -8.93% | -11.50% | -59.50% | -5,028 bps | |
| Net Interest Margin | 4.72% | 4.39% | 4.08% | 4.27% | 4.07% | 4.42% | 4.62% | 5.83% | +156 bps | |
| Efficiency Ratio | 111.07% | 132.50% | 131.78% | 128.74% | 128.99% | 125.81% | 134.69% | 167.62% | +3,887 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.15% | -9.73% | -1.77% | 0.98% | 3.35% | 5.58% | -13.17% | -28.66% | -2,963 bps | |
| Loan Growth (YoY) | -3.79% | -9.47% | -10.00% | -15.19% | -16.45% | -16.61% | -11.59% | -22.64% | -745 bps | |
| Share Growth (YoY) | -5.48% | -10.57% | -0.84% | 2.73% | 5.70% | 8.34% | -13.92% | -27.77% | -3,050 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.48% | 3.24% | 6.15% | 6.30% | 9.41% | 5.22% | 5.04% | 0.00% | -630 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 | 3.12% | 0.86% | 1.04% | 1.10% | 1.27% | 1.57% | 1.63% | 0.00% | -110 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.52% | 16.49% | 15.25% | 15.45% | 14.64% | 14.32% | 15.94% | 14.64% | -81 bps | |
| Net Worth / Assets | 16.52% | 16.49% | 15.25% | 15.45% | 14.64% | 14.32% | 15.94% | 14.64% | -81 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 58.98% | 54.63% | 49.33% | 52.56% | 46.62% | 42.05% | 50.66% | 56.30% | +373 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |