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K & E Employees

Lake Hiawatha, NJ · Charter 6444

NCUA · 1 branch

Q2 2017

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 2017, the quarter ended June 30, 2017, 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

K & E Employees

Lake Hiawatha, NJ · Charter 6444

NCUA · 1 branch

Q2 2017

$761KAssets
$430KLoans
$686KShares
$75KNet 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 -6.40%, down 608 bps year over year; NIM at 3.85%.
  • Asset quality: problem loans at 2.59% of loans (-303 bps YoY).
  • Capital: net worth / assets of 9.87%, down 1,045 bps from a year ago.
  • Funding: loans stand at 62.74% of shares as of Q2 2017.

Financial Results

Return on Assets (YTD, annualized)

-6.40%-608 bps YoY

Net Interest Margin (YTD, annualized)

3.85%+99 bps YoY

Efficiency Ratio (YTD, annualized)

198.05%+8,681 bps YoY

Net Worth / Assets

9.87%-1,045 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2016Q3 2016Q4 2016Q1 2017Q2 2017YoY ΔTrend
Earnings
Return on Assets-0.32%-0.65%-0.92%-6.74%-6.40%-608 bps
Return on Equity-1.60%-3.20%-4.53%-48.91%-64.84%-6,325 bps
Net Interest Margin2.86%2.88%2.94%3.79%3.85%+99 bps
Efficiency Ratio111.24%122.41%131.22%142.86%198.05%+8,681 bps
Growth
Asset Growth (YoY)1.57%0.38%-7.01%-22.74%-24.21%-2,578 bps
Loan Growth (YoY)-6.30%-2.58%-13.41%-11.50%-16.52%-1,022 bps
Share Growth (YoY)13.45%12.03%1.44%-16.36%-13.90%-2,735 bps
Asset Quality
Delinquent Loans / Loans5.62%5.83%3.64%7.82%2.59%-303 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.97%2.96%3.30%5.58%5.63%+266 bps
Capital
Risk-Based Capital20.32%20.32%20.39%13.77%9.87%-1,045 bps
Net Worth / Assets20.32%20.32%20.39%13.77%9.87%-1,045 bps
Liquidity & Funding
Loans / Shares64.70%66.07%60.67%67.56%62.74%-197 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps