New Brunswick, NJ · Charter 6118
Q4 1998
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 1997 | Q1 1998 | Q2 1998 | Q3 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.22% | 4.11% | 4.10% | 4.16% | 3.78% | -44 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) | 0.76% | 2.40% | 1.95% | 2.87% | 4.86% | +410 bps | |
| Loan Growth (YoY) | 5.83% | 5.16% | 3.46% | 6.56% | 1.90% | -393 bps | |
| Share Growth (YoY) | -0.98% | 1.69% | 0.95% | 2.10% | 4.24% | +522 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.63% | 0.74% | 0.55% | 0.17% | 0.30% | -33 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.73% | 2.78% | 2.70% | 2.54% | 2.56% | -17 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 | 48.10% | 48.06% | 48.48% | 52.21% | 47.02% | -108 bps | |
| Liquid Assets / Assets | 23.58% | 20.04% | 21.01% | 18.26% | 26.10% | +252 bps | |