Bayonne, NJ · Charter 66244
Q2 2004
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.29% | -0.81% | -0.10% | -2.48% | -3.67% | -396 bps | |
| Return on Equity | 2.13% | -6.13% | -0.73% | -18.15% | -31.16% | -3,329 bps | |
| Net Interest Margin | 3.14% | 3.01% | 3.15% | 1.79% | 2.19% | -94 bps | |
| Efficiency Ratio | 90.64% | 120.84% | 98.78% | 239% | 267% | +17,673 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.98% | -3.05% | -2.25% | -3.98% | -19.97% | -1,899 bps | |
| Loan Growth (YoY) | 17.82% | 15.89% | 8.45% | -6.79% | -38.09% | -5,592 bps | |
| Share Growth (YoY) | -1.57% | -2.60% | -4.74% | -3.90% | -18.88% | -1,731 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.77% | 7.07% | 8.53% | 13.71% | 0.00% | -677 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.95% | 2.04% | 2.27% | 2.34% | 0.00% | -195 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.84% | 13.28% | 13.64% | 13.66% | 11.77% | -206 bps | |
| Net Worth / Assets | 13.84% | 13.28% | 13.64% | 13.66% | 11.77% | -206 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 33.46% | 32.50% | 29.01% | 29.36% | 25.53% | -792 bps | |
| Liquid Assets / Assets | 70.29% | 71.11% | 74.29% | 73.53% | 75.78% | +548 bps | |