Camden, NJ · Charter 66279
NCUA · 1 branch
Q1 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2018, the quarter ended March 31, 2018, 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.
Camden, NJ · Charter 66279
NCUA · 1 branch
Q1 2018
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 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.05% | 0.81% | 1.55% | -2.36% | -0.81% | -0.36% | -0.11% | 0.53% | +289 bps | |
| Return on Equity | -0.50% | 7.02% | 11.74% | -19.48% | -7.61% | -3.28% | -0.85% | 4.35% | +2,383 bps | |
| Net Interest Margin | 6.62% | 6.97% | 8.32% | 6.52% | 6.36% | 6.67% | 7.80% | 7.79% | +127 bps | |
| Efficiency Ratio | 100.36% | 88.53% | 81.24% | 99.84% | 93.52% | 91.65% | 89.87% | 87.70% | -1,214 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -14.35% | -13.23% | -10.43% | -10.89% | 12.72% | 10.90% | 4.92% | 5.05% | +1,595 bps | |
| Loan Growth (YoY) | -0.32% | 27.55% | 12.64% | 26.81% | 13.74% | -8.96% | -3.18% | -6.05% | -3,286 bps | |
| Share Growth (YoY) | -16.12% | -15.35% | -13.40% | -13.16% | 13.05% | 11.56% | 5.81% | 4.91% | +1,807 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.23% | 0.11% | 1.97% | 0.69% | 4.31% | 0.19% | 0.00% | -197 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 | 1.88% | 1.62% | 1.73% | 2.45% | 0.75% | 0.92% | 1.06% | 1.06% | -138 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.01% | 11.49% | 13.20% | 12.13% | 10.68% | 10.86% | 12.47% | 12.14% | +1 bps | |
| Net Worth / Assets | 11.01% | 11.49% | 13.20% | 12.13% | 10.68% | 10.86% | 12.47% | 12.14% | +1 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.83% | 89.84% | 95.66% | 92.08% | 77.29% | 73.31% | 87.54% | 82.46% | -962 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |