Ewing, NJ · Charter 65597
NCUA · 6 branches
Q1 2021
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2021, the quarter ended March 31, 2021, 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.
Ewing, NJ · Charter 65597
NCUA · 6 branches
Q1 2021
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 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.54% | 0.31% | 0.33% | 0.37% | 0.86% | +32 bps | |
| Return on Equity | 7.70% | 4.73% | 4.85% | 5.56% | 13.38% | +567 bps | |
| Net Interest Margin | 4.28% | 3.80% | 3.84% | 3.68% | 3.15% | -113 bps | |
| Efficiency Ratio | 76.89% | 78.93% | 79.72% | 80.24% | 77.76% | +88 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.49% | 10.63% | 11.57% | 13.14% | 17.74% | +1,525 bps | |
| Loan Growth (YoY) | 2.96% | 7.89% | 6.28% | 1.54% | -5.07% | -803 bps | |
| Share Growth (YoY) | 1.88% | 10.71% | 11.79% | 13.45% | 18.64% | +1,675 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.27% | 1.20% | 0.88% | 0.86% | 0.74% | -53 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.24% | 1.31% | 1.23% | 1.27% | 1.36% | +12 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.01% | 6.50% | 6.72% | 6.66% | 6.40% | -61 bps | |
| Net Worth / Assets | 7.01% | 6.50% | 6.72% | 6.66% | 6.40% | -61 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 91.84% | 86.02% | 89.01% | 83.46% | 73.49% | -1,835 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |