Westville, NJ · Charter 7145
Q2 2004
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 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.05% | 0.12% | 0.14% | -0.67% | -0.42% | -36 bps | |
| Return on Equity | -0.49% | 1.00% | 1.31% | -6.05% | -4.13% | -364 bps | |
| Net Interest Margin | 2.55% | 2.30% | 2.20% | 1.75% | 1.64% | -92 bps | |
| Efficiency Ratio | 97.67% | 90.79% | 89.70% | 137.11% | 124.97% | +2,729 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.40% | -0.37% | 9.67% | -2.61% | 11.32% | +892 bps | |
| Loan Growth (YoY) | -13.97% | -16.33% | -11.10% | -11.17% | -6.53% | +744 bps | |
| Share Growth (YoY) | 2.47% | -0.46% | 10.76% | -2.86% | 12.90% | +1,043 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.10% | 0.06% | 0.18% | 0.07% | 0.17% | +7 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.05% | 1.01% | 1.33% | 1.76% | 1.85% | +80 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.28% | 11.73% | 10.48% | 11.15% | 10.09% | -120 bps | |
| Net Worth / Assets | 11.28% | 11.73% | 10.48% | 11.15% | 10.09% | -120 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 51.70% | 58.19% | 49.22% | 48.71% | 42.80% | -889 bps | |
| Liquid Assets / Assets | 52.74% | 41.41% | 53.70% | 41.31% | 47.49% | -526 bps | |