Newark, NJ · Charter 68249
Q1 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2014, the quarter ended March 31, 2014, 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.
Newark, NJ · Charter 68249
Q1 2014
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 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.53% | 1.13% | 2.29% | -1.11% | 0.90% | -163 bps | |
| Return on Equity | 12.85% | 5.82% | 7.72% | -3.72% | 2.89% | -996 bps | |
| Net Interest Margin | 3.87% | 4.02% | 6.45% | 6.86% | 7.63% | +376 bps | |
| Efficiency Ratio | 41.68% | 75.07% | 59.59% | 116.43% | 90.69% | +4,900 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.09% | -4.17% | -38.08% | -40.24% | -39.51% | -3,642 bps | |
| Loan Growth (YoY) | -27.65% | -17.77% | -16.70% | -12.70% | -18.74% | +891 bps | |
| Share Growth (YoY) | -5.26% | -5.19% | -46.88% | -48.74% | -49.20% | -4,394 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.60% | 0.00% | 28.51% | 27.97% | 4.81% | -178 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 13.28% | 7.42% | 7.78% | 7.50% | 7.70% | -558 bps | |
| Capital | |||||||
| Risk-Based Capital | 19.67% | 19.39% | 29.73% | 29.85% | 31.05% | +1,138 bps | |
| Net Worth / Assets | 19.67% | 19.39% | 29.73% | 29.85% | 31.05% | +1,138 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 57.66% | 60.73% | 96.37% | 98.93% | 92.24% | +3,457 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |