Somerset, NJ · Charter 68195
NCUA · 1 branch
Q3 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2016, the quarter ended September 30, 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.
Somerset, NJ · Charter 68195
NCUA · 1 branch
Q3 2016
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 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -8.21% | -6.55% | 2.95% | 1.87% | 0.55% | -5.64% | -6.68% | -20.29% | -2,216 bps | |
| Return on Equity | -309% | -290% | 58.15% | 33.48% | 11.66% | -168.32% | -267% | n/a | n/a | |
| Net Interest Margin | 4.52% | 4.44% | 3.58% | 4.21% | 4.16% | 4.15% | 4.95% | 5.13% | +92 bps | |
| Efficiency Ratio | 198.53% | 140.90% | 58.14% | 70.65% | 83.32% | 202% | 189.94% | 367% | +29,676 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -20.66% | -9.31% | 0.20% | -5.88% | -0.03% | -7.64% | -30.23% | -24.43% | -1,855 bps | |
| Loan Growth (YoY) | 21.45% | -18.76% | -24.56% | -12.27% | -18.32% | -8.01% | -13.12% | -20.92% | -865 bps | |
| Share Growth (YoY) | -15.15% | -3.56% | 1.15% | -5.51% | -1.44% | -8.64% | -28.39% | -18.16% | -1,265 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.14% | 0.08% | 0.04% | 0.48% | 0.00% | 2.48% | 1.03% | 6.51% | +603 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 | 0.87% | 3.10% | 3.57% | 3.51% | 3.62% | 3.69% | 2.98% | 3.22% | -30 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 2.66% | 2.26% | 5.08% | 5.58% | 4.70% | 3.35% | 2.50% | -8.97% | -1,454 bps | |
| Net Worth / Assets | 2.66% | 2.26% | 5.08% | 5.58% | 4.70% | 3.35% | 2.50% | -8.97% | -1,454 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.54% | 52.12% | 47.21% | 55.96% | 53.48% | 52.48% | 57.27% | 54.07% | -189 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |