Elizabeth, NJ · Charter 66160
NCUA · 1 branch
Q3 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 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.47% | 0.55% | 0.32% | 0.27% | -0.10% | -57 bps | |
| Return on Equity | 1.67% | 1.95% | 1.15% | 0.99% | -0.34% | -200 bps | |
| Net Interest Margin | 4.88% | 4.86% | 4.58% | 4.42% | 4.64% | -24 bps | |
| Efficiency Ratio | 90.45% | 88.94% | 93.11% | 94.03% | 102.19% | +1,174 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -10.19% | -10.27% | -4.18% | 6.97% | -3.12% | +707 bps | |
| Loan Growth (YoY) | -7.55% | -6.30% | -6.14% | -11.43% | -17.51% | -997 bps | |
| Share Growth (YoY) | -13.97% | -14.15% | -6.17% | 9.51% | -3.93% | +1,004 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.10% | 0.10% | 4.31% | 1.27% | 9.25% | +916 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 6.11% | 6.26% | 6.84% | 7.05% | 7.50% | +139 bps | |
| Capital | |||||||
| Risk-Based Capital | 28.41% | 28.01% | 27.79% | 26.99% | 29.46% | +105 bps | |
| Net Worth / Assets | 28.41% | 28.01% | 27.79% | 26.99% | 29.46% | +105 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 47.37% | 45.06% | 40.78% | 38.16% | 40.67% | -670 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |