PackageTrendsPeer
Letter portraitLegal landscape

City of Trenton Employees

Trenton, NJ · Charter 63512

Q2 2014

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2014, the quarter ended June 30, 2014, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

City of Trenton Employees

Trenton, NJ · Charter 63512

Q2 2014

$1.2MAssets
$277KLoans
$1.1MShares
$135KNet 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 -1.33%, up 405 bps year over year; NIM at 5.91%.
  • Asset quality: problem loans at 8.77% of loans (+502 bps YoY).
  • Capital: net worth / assets of 10.89%, down 99 bps from a year ago.
  • Funding: loans stand at 25.67% of shares as of Q2 2014.

Financial Results

Return on Assets (YTD, annualized)

-1.33%+405 bps YoY

Net Interest Margin (YTD, annualized)

5.91%+34 bps YoY

Efficiency Ratio (YTD, annualized)

121.84%-6,519 bps YoY

Net Worth / Assets

10.89%-99 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2013Q3 2013Q4 2013Q1 2014Q2 2014YoY ΔTrend
Earnings
Return on Assets-5.38%-3.53%-2.04%-0.73%-1.33%+405 bps
Return on Equity-45.26%-32.95%-13.58%-6.88%-12.17%+3,309 bps
Net Interest Margin5.57%5.10%6.73%6.06%5.91%+34 bps
Efficiency Ratio187.03%164.31%127.48%111.58%121.84%-6,519 bps
Growth
Asset Growth (YoY)-11.78%-7.77%-6.29%-4.90%-2.42%+936 bps
Loan Growth (YoY)-17.81%-17.23%-22.55%-22.83%-40.59%-2,278 bps
Share Growth (YoY)-10.99%-9.06%-6.12%-2.44%-0.24%+1,074 bps
Asset Quality
Delinquent Loans / Loans3.75%7.69%7.25%8.50%8.77%+502 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.74%0.84%0.61%8.96%10.80%+906 bps
Capital
Risk-Based Capital11.88%10.72%15.05%10.57%10.89%-99 bps
Net Worth / Assets11.88%10.72%15.05%10.57%10.89%-99 bps
Liquidity & Funding
Loans / Shares43.10%33.28%41.79%28.28%25.67%-1,743 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps