E Hanover, NJ · Charter 7401
Q2 1998
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.83% | 3.38% | 3.51% | 3.88% | 4.14% | +131 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -0.85% | -3.31% | 5.22% | 9.21% | 15.95% | +1,680 bps | |
| Loan Growth (YoY) | -6.00% | -15.98% | -18.39% | -11.90% | -4.68% | +132 bps | |
| Share Growth (YoY) | -1.62% | -3.44% | 5.37% | 7.50% | 14.92% | +1,654 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.64% | 3.79% | 3.22% | 1.33% | 1.56% | -209 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.90% | 2.57% | 3.06% | 1.67% | 1.50% | -40 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 46.21% | 48.34% | 42.20% | 46.27% | 38.33% | -788 bps | |
| Liquid Assets / Assets | 42.24% | 38.40% | 41.29% | 44.79% | 55.87% | +1,363 bps | |