Paterson, NJ · Charter 7018
Q3 2005
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 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.55% | 0.24% | -29.22% | 1.73% | 2.12% | +157 bps | |
| Return on Equity | 3.14% | 1.39% | -284% | 16.09% | 19.79% | +1,665 bps | |
| Net Interest Margin | 2.55% | 2.15% | -27.40% | 3.49% | 3.92% | +137 bps | |
| Efficiency Ratio | 78.95% | 89.03% | n/a | 50.94% | 46.30% | -3,265 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.77% | 0.91% | -0.22% | -3.57% | -4.35% | -712 bps | |
| Loan Growth (YoY) | -4.76% | -8.89% | -7.26% | -5.26% | -11.46% | -670 bps | |
| Share Growth (YoY) | 3.92% | 0.46% | -0.87% | 3.88% | 3.75% | -17 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.59% | 6.06% | 5.45% | 5.31% | 3.62% | -297 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.02% | 2.03% | 2.04% | 1.98% | 0.45% | -158 bps | |
| Capital | |||||||
| Risk-Based Capital | 17.39% | 17.29% | 10.30% | 10.75% | 10.72% | -667 bps | |
| Net Worth / Assets | 17.39% | 17.29% | 10.30% | 10.75% | 10.72% | -667 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 33.28% | 31.69% | 32.03% | 31.18% | 28.40% | -488 bps | |
| Liquid Assets / Assets | 71.27% | 72.79% | 72.43% | 70.85% | 72.59% | +132 bps | |