Lake Hiawatha, NJ · Charter 6444
NCUA · 1 branch
Q2 2017
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 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| 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 Margin | 2.86% | 2.88% | 2.94% | 3.79% | 3.85% | +99 bps | |
| Efficiency Ratio | 111.24% | 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 / Loans | 5.62% | 5.83% | 3.64% | 7.82% | 2.59% | -303 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.97% | 2.96% | 3.30% | 5.58% | 5.63% | +266 bps | |
| Capital | |||||||
| Risk-Based Capital | 20.32% | 20.32% | 20.39% | 13.77% | 9.87% | -1,045 bps | |
| Net Worth / Assets | 20.32% | 20.32% | 20.39% | 13.77% | 9.87% | -1,045 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 64.70% | 66.07% | 60.67% | 67.56% | 62.74% | -197 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |