Trenton, NJ · Charter 63512
Q2 2014
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 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| 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 Margin | 5.57% | 5.10% | 6.73% | 6.06% | 5.91% | +34 bps | |
| Efficiency Ratio | 187.03% | 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 / Loans | 3.75% | 7.69% | 7.25% | 8.50% | 8.77% | +502 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.74% | 0.84% | 0.61% | 8.96% | 10.80% | +906 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.88% | 10.72% | 15.05% | 10.57% | 10.89% | -99 bps | |
| Net Worth / Assets | 11.88% | 10.72% | 15.05% | 10.57% | 10.89% | -99 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 43.10% | 33.28% | 41.79% | 28.28% | 25.67% | -1,743 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |