Morristown, NJ · Charter 8214
Q2 1997
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 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.63% | 4.63% | 4.09% | 4.32% | 3.45% | -18 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) | n/a | n/a | -23.72% | -24.01% | -21.24% | n/a | |
| Loan Growth (YoY) | n/a | n/a | -23.53% | -1.19% | -1.13% | n/a | |
| Share Growth (YoY) | n/a | n/a | -27.14% | -28.22% | -25.16% | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.58% | 3.95% | 5.23% | 6.20% | 2.57% | -101 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 8.70% | 10.63% | 10.31% | 9.26% | 7.13% | -158 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 | 30.49% | 31.70% | 35.05% | 42.25% | 40.28% | +979 bps | |
| Liquid Assets / Assets | 58.27% | 66.98% | 61.36% | 60.59% | 61.44% | +317 bps | |