Hillside, NJ · Charter 6666
Q3 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2009, the quarter ended September 30, 2009, 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.
Hillside, NJ · Charter 6666
Q3 2009
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 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.47% | -0.22% | -3.12% | 0.16% | -5.36% | -489 bps | |
| Return on Equity | -3.80% | -1.77% | -25.29% | 1.20% | -55.81% | -5,201 bps | |
| Net Interest Margin | 2.20% | 2.20% | 2.35% | 2.27% | -1.76% | -396 bps | |
| Efficiency Ratio | 84.34% | 82.90% | 75.12% | 93.09% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 3.63% | 3.22% | -6.42% | -3.49% | -8.20% | -1,183 bps | |
| Loan Growth (YoY) | -8.85% | -25.46% | -22.66% | -11.08% | -21.56% | -1,271 bps | |
| Share Growth (YoY) | 4.84% | 3.69% | -7.13% | -4.39% | -5.46% | -1,031 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 7.08% | 5.82% | 4.48% | 5.92% | 7.15% | +7 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.02% | 2.12% | 2.45% | 2.93% | 6.68% | +465 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.43% | 12.25% | 12.32% | 13.01% | 9.61% | -282 bps | |
| Net Worth / Assets | 12.43% | 12.25% | 12.32% | 13.01% | 9.61% | -282 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 22.36% | 21.06% | 20.68% | 19.69% | 18.56% | -381 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |