Garfield, NJ · Charter 821
Q4 2011
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 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.60% | -2.57% | -1.45% | -1.37% | -2.22% | -163 bps | |
| Return on Equity | -5.86% | -32.74% | -19.46% | -16.31% | -32.53% | -2,667 bps | |
| Net Interest Margin | 4.14% | 3.56% | 3.31% | 3.69% | 2.49% | -165 bps | |
| Efficiency Ratio | 107.05% | 99.28% | 105.18% | 109.62% | 152.33% | +4,528 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -11.48% | 24.38% | 17.97% | -5.89% | 9.68% | +2,116 bps | |
| Loan Growth (YoY) | -2.80% | -15.61% | -15.50% | -14.98% | -25.39% | -2,260 bps | |
| Share Growth (YoY) | -12.17% | 30.43% | 21.87% | -5.26% | 12.70% | +2,487 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.25% | 1.25% | 1.08% | 1.69% | 1.79% | +54 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.25% | 1.40% | 1.47% | 1.51% | 1.67% | +142 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.21% | 7.85% | 7.47% | 8.42% | 6.84% | -337 bps | |
| Net Worth / Assets | 10.21% | 7.85% | 7.47% | 8.42% | 6.84% | -337 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 52.49% | 38.65% | 36.31% | 42.31% | 34.75% | -1,774 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |