Collingswood, NJ · Charter 64204
Q2 2014
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Collingswood, NJ · Charter 64204
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 | -2.43% | -3.35% | -2.71% | 0.26% | -23.36% | -2,093 bps | |
| Return on Equity | -10.92% | -15.56% | -12.42% | 1.18% | -222% | -21,149 bps | |
| Net Interest Margin | 2.57% | 2.59% | 2.62% | 2.73% | -16.10% | -1,867 bps | |
| Efficiency Ratio | 99.18% | 94.60% | 99.02% | 90.72% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -2.59% | -2.94% | -4.99% | -6.19% | -5.82% | -322 bps | |
| Loan Growth (YoY) | -11.35% | -5.92% | 4.02% | 2.66% | -6.80% | +455 bps | |
| Share Growth (YoY) | -1.31% | -0.13% | -4.01% | -5.65% | 9.40% | +1,071 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 8.83% | 13.14% | 13.03% | 16.13% | 6.75% | -209 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.46% | 6.12% | 5.83% | 6.10% | 2.66% | +20 bps | |
| Capital | |||||||
| Risk-Based Capital | 22.27% | 21.54% | 21.84% | 21.85% | 10.50% | -1,177 bps | |
| Net Worth / Assets | 22.27% | 21.54% | 21.84% | 21.85% | 10.50% | -1,177 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 47.92% | 49.17% | 54.46% | 52.09% | 40.83% | -710 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |