Hawthorne, NJ · Charter 62750
NCUA · 2 branches
Q4 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2017, the quarter ended December 31, 2017, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Hawthorne, NJ · Charter 62750
NCUA · 2 branches
Q4 2017
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 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.24% | 0.28% | 0.17% | -2.21% | -3.05% | -8.06% | -8.54% | -10.39% | -818 bps | |
| Return on Equity | 2.66% | 2.93% | 1.71% | -26.82% | -47.29% | -208% | -355% | n/a | n/a | |
| Net Interest Margin | 3.44% | 3.63% | 3.78% | 3.98% | 3.45% | 3.74% | 4.03% | 4.11% | +13 bps | |
| Efficiency Ratio | 94.05% | 93.46% | 93.43% | 94.14% | 98.65% | 94.51% | 164.22% | 216% | +12,226 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.86% | -13.38% | -31.54% | -18.27% | -18.56% | -22.54% | -27.31% | -27.01% | -875 bps | |
| Loan Growth (YoY) | -20.51% | -18.30% | -12.77% | -15.99% | -14.58% | -14.77% | -19.50% | -19.27% | -327 bps | |
| Share Growth (YoY) | -11.25% | -12.93% | -33.17% | -18.00% | -15.79% | -17.28% | -20.61% | -19.69% | -169 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 8.71% | 6.93% | 6.13% | 7.82% | 5.80% | 9.41% | 8.88% | 5.83% | -199 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 | 3.42% | 3.35% | 2.44% | 4.57% | 6.44% | 10.79% | 10.81% | 9.92% | +535 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.07% | 9.53% | 9.95% | 8.24% | 6.45% | 3.88% | 2.40% | 0.00% | -824 bps | |
| Net Worth / Assets | 9.07% | 9.53% | 9.95% | 8.24% | 6.45% | 3.88% | 2.40% | 0.00% | -824 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.15% | 67.20% | 70.60% | 68.16% | 68.12% | 69.23% | 71.59% | 68.52% | +36 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |