Somerset, NJ · Charter 68195
NCUA · 1 branch
Q3 2016
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.87% | 0.55% | -5.64% | -6.68% | -20.29% | -2,216 bps | |
| Return on Equity | 33.48% | 11.66% | -168.32% | -267% | n/a | n/a | |
| Net Interest Margin | 4.21% | 4.16% | 4.15% | 4.95% | 5.13% | +92 bps | |
| Efficiency Ratio | 70.65% | 83.32% | 202% | 189.94% | 367% | +29,676 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.88% | -0.03% | -7.64% | -30.23% | -24.43% | -1,855 bps | |
| Loan Growth (YoY) | -12.27% | -18.32% | -8.01% | -13.12% | -20.92% | -865 bps | |
| Share Growth (YoY) | -5.51% | -1.44% | -8.64% | -28.39% | -18.16% | -1,265 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 3.51% | 3.62% | 3.69% | 2.98% | 3.22% | -30 bps | |
| Capital | |||||||
| Risk-Based Capital | 5.58% | 4.70% | 3.35% | 2.50% | -8.97% | -1,454 bps | |
| Net Worth / Assets | 5.58% | 4.70% | 3.35% | 2.50% | -8.97% | -1,454 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |