PackageTrendsPeer
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Mack Employees

Middlesex, NJ · Charter 7957

Q2 1997

$855KAssets
$197KLoans
$629KShares
n/aNet 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 2.41%, down 48 bps year over year.
  • Asset quality: problem loans at 10.05% of loans (+705 bps YoY).
  • Funding: loans stand at 31.35% of shares as of Q2 1997.

Financial Results

Return on Assets (quarter, annualized)

2.41%-48 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1995Q4 1995Q2 1996Q4 1996Q2 1997YoY ΔTrend
Earnings
Return on Assets2.89%2.92%2.38%2.72%2.41%-48 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/a-14.23%-15.57%-14.45%n/a
Loan Growth (YoY)n/an/a-8.24%-31.28%-42.24%n/a
Share Growth (YoY)n/an/a-17.16%-18.57%-20.43%n/a
Asset Quality
Delinquent Loans / Loans3.00%1.53%0.77%3.51%10.05%+705 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans4.51%4.69%5.56%5.96%6.82%+231 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares43.19%36.79%31.54%32.56%31.35%-1,184 bps
Liquid Assets / Assets11.97%27.18%41.13%48.94%73.05%+6,108 bps