Dover, NJ · Charter 62688
Q2 1999
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 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.72% | 4.33% | 1.48% | 1.46% | 2.91% | -81 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) | 11.13% | -6.08% | -12.34% | -19.99% | -24.82% | -3,595 bps | |
| Loan Growth (YoY) | 12.99% | 33.53% | 10.42% | 5.47% | -13.74% | -2,672 bps | |
| Share Growth (YoY) | 10.96% | -9.61% | -13.89% | -21.66% | -28.38% | -3,935 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.81% | 0.40% | 13.21% | 8.15% | 8.15% | +634 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.86% | 4.44% | 8.16% | 5.56% | 5.56% | +171 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 | 47.58% | 65.28% | 39.78% | 57.31% | 57.31% | +973 bps | |
| Liquid Assets / Assets | 51.28% | 35.37% | 56.28% | 0.00% | 0.00% | -5,128 bps | |