PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Interfaith Affiliated Congregations

Newark, NJ · Charter 68399

Q4 2001

$433KAssets
$9KLoans
$417KShares
$4KNet 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 -2.16%, down 239 bps year over year; NIM at 1.14%.
  • Asset quality: problem loans at 0.00% of loans.
  • Capital: net worth / assets of 0.82%.
  • Funding: loans stand at 2.19% of shares as of Q4 2001.

Financial Results

Return on Assets (YTD, annualized)

-2.16%-239 bps YoY

Net Interest Margin (YTD, annualized)

1.14%+66 bps YoY

Efficiency Ratio (YTD, annualized)

252%+15,983 bps YoY

Net Worth / Assets

0.82%

Year to date, annualized, through each quarter.

MetricQ4 1999Q2 2000Q4 2000Q2 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets0.23%6.59%3.38%-1.34%-2.16%-239 bps
Return on Equityn/an/a89.47%-57.87%-265%n/a
Net Interest Margin0.49%2.29%3.00%1.90%1.14%+66 bps
Efficiency Ratio91.95%39.61%56.91%165.33%252%+15,983 bps
Growth
Asset Growth (YoY)n/an/an/a5883%40.34%n/a
Loan Growth (YoY)n/an/an/an/an/an/an/a
Share Growth (YoY)n/an/an/an/a37.95%n/an/a
Asset Quality
Delinquent Loans / Loansn/an/an/a0.00%0.00%n/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loansn/an/an/a0.99%0.67%n/a
Capital
Risk-Based Capitaln/an/a3.77%2.32%0.82%n/a
Net Worth / Assetsn/an/a3.77%2.32%0.82%n/a
Liquidity & Funding
Loans / Shares0.00%0.00%0.00%1.51%2.19%+219 bps
Liquid Assets / Assets97.32%0.00%97.14%95.40%94.91%-241 bps