Moorestown, NJ · Charter 66233
NCUA · 1 branch
Q3 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 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.09% | 0.20% | 0.16% | 0.04% | 0.02% | 0.00% | 0.00% | -0.87% | -91 bps | |
| Return on Equity | 1.08% | 2.37% | 1.95% | 0.47% | 0.19% | 0.05% | 0.05% | -10.39% | -1,086 bps | |
| Net Interest Margin | 3.17% | 3.21% | 3.13% | 3.07% | 3.09% | 2.66% | 2.79% | 3.02% | -5 bps | |
| Efficiency Ratio | 104.80% | 93.89% | 94.91% | 96.19% | 97.54% | 99.86% | 99.86% | 102.57% | +637 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.84% | 2.56% | 3.13% | 2.17% | 1.71% | 2.92% | -0.14% | -7.52% | -969 bps | |
| Loan Growth (YoY) | 32.31% | 17.99% | -5.87% | -10.05% | -11.34% | -12.52% | -13.33% | -5.04% | +501 bps | |
| Share Growth (YoY) | 3.03% | 2.71% | 3.25% | 2.20% | 1.84% | 3.21% | 0.10% | -7.44% | -963 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.23% | 0.04% | 0.06% | 0.19% | 0.86% | 0.04% | 0 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 | 0.47% | 0.39% | 0.41% | 0.39% | 0.30% | 0.33% | 0.29% | 0.34% | -5 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.72% | 8.44% | 8.43% | 8.37% | 8.59% | 8.17% | 8.38% | 8.38% | +1 bps | |
| Net Worth / Assets | 8.72% | 8.44% | 8.43% | 8.37% | 8.59% | 8.17% | 8.38% | 8.38% | +1 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 62.93% | 58.79% | 56.53% | 55.20% | 54.79% | 49.83% | 48.94% | 56.63% | +143 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |