West Caldwell, NJ · Charter 66248
NCUA
Q1 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2016, the quarter ended March 31, 2016, 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.
West Caldwell, NJ · Charter 66248
NCUA
Q1 2016
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 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.31% | -1.05% | 0.65% | 0.31% | -1.65% | -196 bps | |
| Return on Equity | 1.67% | -5.55% | 3.39% | 1.61% | -8.67% | -1,034 bps | |
| Net Interest Margin | 3.67% | 3.64% | 3.67% | 3.75% | 3.65% | -2 bps | |
| Efficiency Ratio | 62.33% | 109.57% | 67.73% | 68.01% | 143.97% | +8,164 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.03% | -0.61% | -0.36% | 0.78% | -1.96% | +7 bps | |
| Loan Growth (YoY) | -4.77% | -6.09% | -3.20% | 1.53% | 5.79% | +1,056 bps | |
| Share Growth (YoY) | -2.59% | -0.83% | -0.78% | 0.59% | -2.05% | +54 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.40% | 5.01% | 5.86% | 5.09% | 6.68% | +28 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.75% | 3.56% | 4.27% | 5.09% | 6.20% | +145 bps | |
| Capital | |||||||
| Risk-Based Capital | 18.81% | 18.97% | 19.27% | 19.12% | 19.00% | +20 bps | |
| Net Worth / Assets | 18.81% | 18.97% | 19.27% | 19.12% | 19.00% | +20 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 36.06% | 36.18% | 38.18% | 38.56% | 38.94% | +289 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |