Lake Hiawatha, NJ · Charter 6444
NCUA · 1 branch
Q2 2017
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 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.09% | 0.01% | -29.77% | -0.32% | -0.65% | -0.92% | -6.74% | -6.40% | -608 bps | |
| Return on Equity | 0.33% | 0.03% | -146.60% | -1.60% | -3.20% | -4.53% | -48.91% | -64.84% | -6,325 bps | |
| Net Interest Margin | 3.35% | 3.08% | -26.77% | 2.86% | 2.88% | 2.94% | 3.79% | 3.85% | +99 bps | |
| Efficiency Ratio | 97.17% | 99.72% | n/a | 111.24% | 122.41% | 131.22% | 142.86% | 198.05% | +8,681 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.64% | 5.71% | 0.95% | 1.57% | 0.38% | -7.01% | -22.74% | -24.21% | -2,578 bps | |
| Loan Growth (YoY) | -5.81% | -2.83% | -3.89% | -6.30% | -2.58% | -13.41% | -11.50% | -16.52% | -1,022 bps | |
| Share Growth (YoY) | -2.50% | 8.05% | 11.91% | 13.45% | 12.03% | 1.44% | -16.36% | -13.90% | -2,735 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.54% | 5.80% | 5.42% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 2.88% | 2.86% | 2.98% | 2.97% | 2.96% | 3.30% | 5.58% | 5.63% | +266 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 28.61% | 27.09% | 20.31% | 20.32% | 20.32% | 20.39% | 13.77% | 9.87% | -1,045 bps | |
| Net Worth / Assets | 28.61% | 27.09% | 20.31% | 20.32% | 20.32% | 20.39% | 13.77% | 9.87% | -1,045 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.98% | 71.07% | 63.85% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |