PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Kearny Postal Employees

Kearny, NJ · Charter 66348

Q2 1997

$1.1MAssets
$541KLoans
$912KShares
n/aNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 4.13%, up 32 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (-121 bps YoY).
  • Funding: loans stand at 59.30% of shares as of Q2 1997.

Financial Results

Return on Assets (YTD, annualized)

4.13%+32 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ2 1995Q4 1995Q2 1996Q4 1996Q2 1997YoY ΔTrend
Earnings
Return on Assets3.81%4.42%4.39%4.60%4.13%+32 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/a0.43%-1.11%-14.17%n/a
Loan Growth (YoY)n/an/a6.01%-3.47%7.10%n/a
Share Growth (YoY)n/an/a-1.69%-3.06%-16.13%n/a
Asset Quality
Delinquent Loans / Loans1.21%0.14%0.57%2.82%0.00%-121 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%1.03%1.57%2.21%2.25%+225 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares46.44%50.56%52.55%57.76%59.30%+1,286 bps
Liquid Assets / Assets0.00%0.00%55.21%50.93%50.28%+5,028 bps