PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Bakelite Employees

Somersetook, NJ · Charter 68306

Q2 2001

$21.0MAssets
$12.9MLoans
$19.8MShares
$1.2MNet 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 -0.24%, down 353 bps year over year; NIM at 3.94%.
  • Asset quality: problem loans at 1.32% of loans (-44 bps YoY).
  • Capital: net worth / assets of 5.69%.
  • Funding: loans stand at 64.98% of shares as of Q2 2001.

Financial Results

Return on Assets (YTD, annualized)

-0.24%-353 bps YoY

Net Interest Margin (YTD, annualized)

3.94%

Efficiency Ratio (YTD, annualized)

95.75%

Net Worth / Assets

5.69%

Year to date, annualized, through each quarter.

MetricQ2 1999Q4 1999Q2 2000Q4 2000Q2 2001YoY ΔTrend
Earnings
Return on Assets3.29%0.00%0.09%0.07%-0.24%-353 bps
Return on Equityn/an/an/a1.10%-4.23%n/a
Net Interest Marginn/a4.07%4.55%4.42%3.94%n/a
Efficiency Ration/a99.99%95.69%95.90%95.75%n/a
Growth
Asset Growth (YoY)n/a0.30%-2.18%-0.13%7.97%n/a
Loan Growth (YoY)n/a-5.35%5.96%18.49%33.60%n/a
Share Growth (YoY)n/a-1.05%-1.68%0.07%5.78%n/a
Asset Quality
Delinquent Loans / Loans1.76%1.67%1.12%1.17%1.32%-44 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.98%0.81%0.87%0.68%0.68%-29 bps
Capital
Risk-Based Capitaln/an/an/a6.37%5.69%n/a
Net Worth / Assetsn/an/an/a6.37%5.69%n/a
Liquidity & Funding
Loans / Shares51.45%59.17%65.17%71.30%64.98%+1,353 bps
Liquid Assets / Assets32.26%12.65%12.56%18.03%29.82%-244 bps