PackageTrendsPeer
Letter portraitLegal landscape

Congoleum Industries Trenton

Mercerville, NJ · Charter 7507

Q1 2009

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2009, the quarter ended March 31, 2009, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Congoleum Industries Trenton

Mercerville, NJ · Charter 7507

Q1 2009

$83KAssets
$9KLoans
$46KShares
$34KNet 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 -4.78%, down 77 bps year over year; NIM at 5.69%.
  • Asset quality: problem loans at 24.75% of loans (+762 bps YoY).
  • Capital: net worth / assets of 40.40%, up 1,060 bps from a year ago.
  • Funding: loans stand at 20.46% of shares as of Q1 2009.

Financial Results

Return on Assets (YTD, annualized)

-4.78%-77 bps YoY

Net Interest Margin (YTD, annualized)

5.69%+380 bps YoY

Efficiency Ratio (YTD, annualized)

143.25%-16,947 bps YoY

Net Worth / Assets

40.40%+1,060 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2008Q2 2008Q3 2008Q4 2008Q1 2009YoY ΔTrend
Earnings
Return on Assets-4.01%-5.64%-5.19%-7.02%-4.78%-77 bps
Return on Equity-13.45%-17.13%-15.14%-17.68%-11.84%+161 bps
Net Interest Margin1.88%1.89%2.46%2.36%5.69%+380 bps
Efficiency Ratio313%398%311%398%143.25%-16,947 bps
Growth
Asset Growth (YoY)-12.32%-25.64%-30.68%-41.92%-37.07%-2,474 bps
Loan Growth (YoY)-47.78%-71.08%-75.06%-65.12%-30.78%+1,700 bps
Share Growth (YoY)-13.80%-30.71%-37.07%-52.22%-49.40%-3,560 bps
Asset Quality
Delinquent Loans / Loans17.13%36.79%59.33%32.97%24.75%+762 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans68.71%147.56%238%132.26%99.26%+3,055 bps
Capital
Risk-Based Capital29.80%32.91%34.30%39.72%40.40%+1,060 bps
Net Worth / Assets29.80%32.91%34.30%39.72%40.40%+1,060 bps
Liquidity & Funding
Loans / Shares14.96%8.40%5.69%13.78%20.46%+550 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps