Ewing, NJ · Charter 65597
NCUA · 6 branches
Q1 2021
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 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.16% | 0.32% | 0.40% | 0.54% | 0.31% | 0.33% | 0.37% | 0.86% | +32 bps | |
| Return on Equity | 2.36% | 4.57% | 5.68% | 7.70% | 4.73% | 4.85% | 5.56% | 13.38% | +567 bps | |
| Net Interest Margin | 4.62% | 4.77% | 4.66% | 4.28% | 3.80% | 3.84% | 3.68% | 3.15% | -113 bps | |
| Efficiency Ratio | 77.39% | 75.93% | 75.20% | 76.89% | 78.93% | 79.72% | 80.24% | 77.76% | +88 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.21% | -0.29% | 0.32% | 2.49% | 10.63% | 11.57% | 13.14% | 17.74% | +1,525 bps | |
| Loan Growth (YoY) | -7.82% | -4.08% | -1.51% | 2.96% | 7.89% | 6.28% | 1.54% | -5.07% | -803 bps | |
| Share Growth (YoY) | 1.64% | -0.09% | -0.11% | 1.88% | 10.71% | 11.79% | 13.45% | 18.64% | +1,675 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.49% | 1.52% | 1.56% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 1.87% | 1.41% | 1.30% | 1.24% | 1.31% | 1.23% | 1.27% | 1.36% | +12 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.70% | 7.06% | 7.12% | 7.01% | 6.50% | 6.72% | 6.66% | 6.40% | -61 bps | |
| Net Worth / Assets | 6.70% | 7.06% | 7.12% | 7.01% | 6.50% | 6.72% | 6.66% | 6.40% | -61 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.27% | 93.63% | 93.26% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |